Decide what is important to you and choose the custodian that offers it.

You can use HML don't get me wrong but if you just put a little bit effort in to pre-planning and getting all your ducks in a row then going with a traditional community bank would be a better option not only for your current new construction needs but also for future acquisitions.

My pre conceived notion was that 80 was sufficient @Tyler Garza With respect to DSCR loans, the LTV is only one factor that lenders consider when underwriting a loan.

I recently pre-qualified with them and was told the interest rates are all the same (6.0%).

@Derrick Roland II it would help if we knew how much you were pre-approved for and if FHA or conforming?

Basically you find these distressed properties in pre foreclosure, probates, divorces, or just ugly vacant properties. then you calculate the Max allowable offer and if it makes sense you call up the property owner, get it under contract for dirt cheap, then you assign the contract to a cash investor for an assignment fee. this is the general idea obviously it gets more in depth, but its finding deals that you would buy as a fix and flip or brrrr, and instead of actually buying it you sell it to other investors.Ahh I see, thanks for clearing that up.  

One of my goals is to go through my past tax returns, and figure the ROI my rental properties with taking into account the tax savings (I typically calculate the ROI on net cashflow at the end of the year)I have a W2 so I generally aim to maximize my pre-tax accounts - 401k, HSA, IRA to a backdoor Roth IRA, 529My "losses" would be passed forward since I don't qualify as a RE professional nor have active RE losses.

Never offer earnest money.

The goal is to give CRE professionals more accurate pre-construction cost estimates and prevent costly surprises.I’d love to hear from the seasoned developers here:How are you currently handling site cost estimation, and what’s missing?

The amount of pre 1978 houses in NJ is enormous.