I realize these are already very good terms, but I thought I'd check what is possible.

Which is not easy for possible for many people (like your husband).Once you really know what to do, the risk level drastically reduces.

How did you finance this deal?

No financing available.2.

The credit thing should not be an issue for many DSCR folks like myself. 80% ltv may be an option, but,I have seldom found the tradeoff in cost/rate to be worth it in the last 12 months. 0% origination is possible, but, as others have said compensation is received in one fashion or another (higher rate, processing fee, etc.).

I’ve often seen 5 units sell for the same or less than 4 units because there are less buyers and the financing is worse.

To be more specific about what i'm looking to do: My 1-2 year goal is to employ the BRRRR strategy with SFHs and Condos by buying distressed / highly undervalued properties that need work (preferably all-cash) in low crime areas with strong rental demand, renovate them within budget (again preferably all-cash) and get them rent ready before refinancing them at the highest ARV possible.

If you have an IRA LLC the custodian is not involved in the IRA obtaining financing including a refi.

To get started, define your investment strategy, run cash flow and ROI calculations, network with local investors, and explore financing options like DSCR loans or HELOCs.Good luck!

Since i had capital and had access to my commercial banks for the best rates possible on vertical and horizontal loans..