This week, two critical economic reports—the CPI inflation report (Tuesday, February 13) and Initial Jobless Claims (Thursday, February 15)—will provide new insights into whether the Fed will stay on its current path or begin signaling rate cuts.Real estate investors looking to finance new deals, refinance existing loans, or time their next acquisition should closely monitor how these reports shape market expectations for the Fed’s next move.Current Market ConditionsMortgage rates have remained stubbornly high due to persistent inflation and a strong labor market.

And you'll have a solid W-2 income to help you qualify for loans. 

I own a mortgage company, so I have my loan officers use this Fannie Mae income calculation tool for all business for self borrowers: https://singlefamily.fanniemae.com/applications-technology/income-calculator .

Do you use traditional financing or do you us DSCR loans?

Although again the guys i funded that have 250 plus units probably have 10 mil or more in forced equity. 

I'd need the interest rate to be roughly 5% to breakeven on an interest-only loan, and was considering a balloon payment in 5-7 years.

Through a hard money lender, but I will take out a DSCR loan in March to refinance.

If you are getting a loan no there is no way to protect yourself from crushing your credit or having a foreclosure against you if you are the borrower. 

I believe the investor may need a commercial loan at that point or could do 3 separate loans since they are on different parcels.

I did trying to do one subject to loan an my real estate investor didn't know much about it.