A DSCR loan only removes the income piece and adds a slightly higher rate and prepayment penalty.

Understand how to "add value" to the property and evaluate cap rates, IRR, cash on cash returns. 

Couldn't banks call loans with low rates due and lend the money to new buyers at higher rates, all while collecting new origination fees, boosting revenues which are declining, and making more money?  

Rentals also build equity through tenant payments and appreciation, with profits taxed at lower long-term capital gains rates when sold.

I’d like to refi the 3 unit if rates drop a point. 

We had it for our kids while going to school .

To ensure you’re not overpaying, compare these quotes to typical rates in the area using resources like HomeAdvisor or Thumbtack, or by reaching out to local contractors for ballpark estimates.

For multifamily or commercial, the rental rate impacts the value of the property. 

. • Single unit properties get pro-rated.

Rates are a bit higher but if you can leverage up to do more than 1 flip at a time, it will be worth paying the lender fees.