(for instance, this property has a backyard that could become parking; however, there is no way to access it unless the neighbors allowed us to use there driveway to get there).* Are there any other downsides I might not have considered with street-only parking?

As a result, my DTI ratio is now greatly reduced due to this calculation method and my lower income.

Please advise.ThanksMel I'd recommend a local Independent Agency that has access to multiple markets including surplus lines

How is access in the winter?

We specialize in helping investors access opportunities in both residential and commercial markets, leveraging our network and industry knowledge to identify high-potential deals.

Hi Dean - we had access to a DSCR product until a couple weeks ago - it's currently paused, per my conversation with one of the loan brokers I work with. 

I have been learning how the process works and there are a lot of resources for how to interview a sponsor and review the deal, but how do you initially access the deals to review?

Question: Should I collateralize the loan (if using private or hard money), or rely on roll-over loans (to maximize the lower points and 3-4% rate)?

Because I did not buy this on Biggerpockets, am I not able to access the bonus content.

As you suggest lowering down payment to buy more properties is one way, although the downside is greater risk in event of down cycle and more time to manage required.