Here's a post where I go into detail about DSCR loans as far as the importance of cash flow, credit scores and down payments: https://www.biggerpockets.com/forums/49/topics/1080147-refinance-rate-105Lender terms and fees vary widely.

Note this can be pro or a con depending on your strategy.

Next, and again my current experience is in a different industry but one that's a highly dependent on Google reviews and ratings, I've found that there's always a break-even point where "paying someone off" doesn't provide enough of a return on the payoff. 

While it is true that the time of year can influence market activity, as others have mentioned, there is usually a trade-off depending on the season.

We put $75K down to begin with and likely have $85-100K in equity ( depending on what non-scientific source you check since I haven't had a full appraisal done) on it.

@Marc ShinThe timeline for completing the BRRRR process can vary depending on a few key factors, like the condition of the property, your financing strategy, and the speed of contractors.

Whether to start with single-family or multifamily really depends on your goals, resources, and experience.Single-Family Pros: Easier to manage and finance, especially for a first deal.

And you'll have the best rate/points options with a primary residence.Option #2 is great, especially if you're willing to move into one of the units (because the down payment minimum is just 5% or 3.5% depending on program), but as you mentioned it's really tough here to find small multifamily here.

Each jurisdiction has their own Zoning designations and restrictions, and they can Vary significantly.

Need a binder and a paid receipt or confirmation that it will be escrowed prior to CTC.  800 - 2k depending on property and location.CDA - This is an audit of the appraisal to check to make sure the value is there.