As for the refi side, DSCRs are an excellent tool to utilize as they are based off the property, not you as the borrower, so no DTI hits / personal income verification required.

In 2025 what strategies are you utilizing to source off market deals?

Loan terms are 30 years fixed and there are 10 year IO options available.Lenders will require a Passport, Verification of Residence (Mortgage Statement, Utility Bill, etc..), Either a US credit report or credit trade line history in your country of origin, US Entity documents (EIN, Operating Agreement, Articles of Organization,), 2 months bank statements for proof of closing, and 6-12 months reserves on top of closing costs and DP. 

Would love some advice you can ask the seller to delay payments but typically they will not.

Renting out the property for less than 180 days in the first year is typically one of those conditions, as you've mentioned.

The limits are not high at first, but they can build with good utilization and payment history.

Typically hard money lenders will lend a maximum of 70% of the ARV so if you are below you will have more flexibility on the initial loan and the refinance (better terms or higher cash out) and of course more profit if you sell

Yield varies a lot depending on the type of property and location. rental yields for residential property are typically between 4% and 5% per annum.Hope this helps!

You have to cover increased utility costs.

Water - landlord plays in JC heights typically.