@Ryan Williams My primary is paid off which has allowed me the freedom with my low paying job to be able to obtain mortgages to purchase 5 rental properties.

We don't allow hard money lenders, only the sponsors (real estate attorney, title company, and my lender) and they don't pitch either.

We have allowed DOGS since we started in 2017.

If so you may have some full doc options which have the best rates typically and terms.Like others have mentioned you have DSCR loans too but this only allows you to purchase non owner occupied properties (not primary residence or second home occupancy type properties).

Before the day ended, FinCEN released a public statement regarding the Fifth Circuit's ruling, announcing an extension of certain reporting deadlines to allow more time for compliance.

Fannie/Freddie both allow up to 90% financing. https://singlefamily.fanniemae.com/media/20786/displayHOWEVER, the  loan level pricing adjustments are HUGE on these loans: So, the rate and costs will be very high. 

Recent zoning changes now allow for three dwellings on a single parcel, and parking requirements have been lifted in denser areas, both of which have boosted the local housing supply.

This will reduce your monthly cash flow from the property, impacting your ROI.Break It Down with a Calculator:While BiggerPockets calculators are fantastic for many scenarios, they don't currently allow you to input multiple simultaneous loans (e.g., mortgage + hard money).

Michael, that is not entirely correct.Some sponsors will set up a syndication investment/crowdfunded deal in a TIC or DST structure which can allow this.True, but it's done very rarely and for small groups, typically accredited investors.

More states are creating "just cause" eviction laws, essentially stating the landlord must allow the tenant to remain in the property except for a few specific situations.It won't end well.