However if you are in an VERY expensive market where new perfect finishes are expected then I could see that is could make sense in some situations but I don't think that its time dependent. 3.

Once we found this one we knew it would be the perfect property to make our first investment while we also lived in it.

Perfect for his situation. 

The property's market conditions and location in Stockton made it an ideal candidate for a fast resale, aligning perfectly with our investment strategy.

I will continue digging around for those lenders myself, but figured this would be a perfect forum to ask for advice.  

With all that said will the DTI still be a large issue if I have almost a $500k in equity in the current home , a couple hundred thlusand in ira/401k , and around $300k crypto that could become liquid?

It's a perfect example of how the most attractive applicant can be the worst choice.

Hi Carlo,As mentioned DSCR loans vary widely based off of numerous factors, credit, LTV, Prepay type, DSCR Ratio, just to name a few.However, I am seeing rates as low as 6.625% now on DSCR products in a perfect scenario.In scenarios with low credit scores, high LTV's and short prepays we can easily be in the 9's.When looking for a DSCR loan to fit your needs, I recommend getting in touch with someone who knows what they are doing to pencil the loan in your best interest.Glad to connect and get into more detail!

You know all and your strategy is better than everyone else's.I'm doing perfectly fine and I'm comfortable and that's all I'm going to say.

Lucia is perfect!