Almost all DSCR loans will have either A) a prepayment penalty which prevents you from selling or refinancing within a given period without paying a cost, or B) a combination of higher rates and points to offset the lack of a prepayment penalty.

The list is a combination of private and public data. 

(I also had to come to CA for health reasons, so I am not sure if that is an exception)- If I use any of the above, can I use a portion of the money to pay off personal debt?

If I finance the rebuild then the 1031 exchange presents some challenges (I will need to land a property that cash flows or breakeven so that I can get the loan for my rebuild, or banks will count that debt against me).

Its not a set price per unit or building but rather a percentage of income to debt.

Right now my debt is sitting at around 154k (8k outstanding interest payments). 

I know I made a lot of mistakes here, and if I could go back would certainly do things differently.Key facts:• no written partnership agreement • In business for 1 year, with 8 total combined clients• 2024 total income $29,500• No shared business property or initial investment.

I used a LOC to build a 12 site RV park in a small town, opened it up and 1.5 mnths later, I'm full occupancy and servicing the debt (some of it at 8.75%) & cash flowing.

Your 3% rate likely helps you with cheap debt and without the need to chase high that normal rental rates.

Congrats - are you putting zero debt on the property?