Go back to at least 2019, the last year pre-covid.

I can not fathom how you were not informed that this was a DSCR loan and you should absolutely inquire about the specifics such as whether your are IO or not and the pre payment penalty. 8.4% is high in todays rate environment, even for DSCR.  

interest rates appreciation and rent growth play a huge roll in brrrr and housing hacking 

Having all your financials, documentation, and pre-approvals in place allows you to act quickly when an opportunity arises.

This “thing” about Ohio being a great investment opportunity pre packaged by real estate companies has been on going at least from 2004.  

Preying on people in pre-foreclosure to buying their home is "helping them out".

With a Rent roll total of about 74,000 per month.

I'll be getting there on the 5th as well and would love to do a pre-conference meetup!

My project in Oregon which is a move up product 700 to 1` mil  I am selling them pre sale  NO incentives and sold as many as I could build this year.. and same for the last two years..

In my opinion, you're better off just using a cashout refi and then parking the money in a MMA/HYSA or rolling 30-day treasuries than using these hybrid LOCs.