I flip with cash, not loans, mainly because there are not enough deals out there that meet my highly selective acquisition criteria, so no need to pay interest on cash otherwise sitting in a money market account. 

Does the loan have a "history" is it FHA, VA, Conventional16.

Loan pay down and depreciation.

They then missed out on several more years of growth because they got out of the game and waited on the sidelines for things to look better. 2010 to 2012 was the period that cash investors were the players or those with IRA keep in mind investor loans were still basically non existent in those years for all those expect very well to do Investors beginners were not getting investor loans. 

They asked me to empty my savings, max out cards and then finally to take out a loan.

I assume you’ve got a loan that says you will be living there.

I locked a DSCR loan yesterday at 6.385%, 75% LTV.  

. - will it influence property taxes once we move to conventional loan in 3 yrs? 

On October 31st Blue Metrix reached back out and said they weren't going to pay off the loan unless they got a greater discount.

I can likely do this loan, but in all fairness, with this type of loan I suspect a community bank is going to beat me out.