@Josie Sandoval It varies from market to market.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

While the duration of market upswings can vary, a five-year investment horizon often aligns well with market cycles.

Best of luck as you jump back into the game 

I know the podcasts and books speak about being in a deal with zero skin in the game, but that is an outlier situation not the norm. 

Seek out those who’ve been in the game for a while.

Milton and Farmington can be excellent choices, too, often with more budget-friendly options and the chance to add value in less saturated areas, might have better cash flow luck here.For lenders and agents, I'd recommend networking with those who have experience specifically in the NH Seacoast markets since these towns can vary in terms of tenant demographics and rental demands.

Texas still has solid growth potential, particularly in cities like Austin and Dallas, but prices have risen, so returns may vary.

Blockchain - Ingenious and a game changing technology. 

Pest control varies in each state,, but I would call other owners to see what they are doing.