YoY is up marginally.Rentals - Availability by MonthThe number of homes for rent increased slightly MoM, conforming to the seasonal trend.Rentals - Median Time to RentMedian time to rent increased slightly MoM, (28 days vs 27 days in September), conforming to the seasonal trend.Rentals - Months of SupplyAbout 1.8 months of supply for our target rental property profile.

At 95% LTV (I would choose 95% LTV over the fha) the down and reserves is easier than the monthly.  

most bankers are standoffish ;-)yes, the HML/PML will be higher cost, but my concern for you is the banker knows he can't do your deal, but will string you along for a while, ask for additional information that takes you time (and maybe cost) to put together and he ends up either ghosting you or taking 6 months to tell you no.I could be wrong and you may be dealing with a "unicorn" banker, but I believe a HML/PML that knows construction in your market will be easier to work with, actually close your deal, and end up "saving" you money in the long-term...just my 3 cents - even inflation has increased this!

Cheaper, easier, faster.

fix and flips are the vast majority of the targets for private lenders.

But you know for some people with rather large egos, it’s a lot easier for them to claim they were defrauded then to admit THEY made a bad investment.  

An investor should actually work backwards from their Target ROI, to  determine what to offer on a rental property:Determine reasonable market rent, NOT the highest!

I have identified properties in a particular area I want to target and want to reach out to the property owner to see if they would sell.

I’ve been slowly moving all my renters over to apartments.com to keep track of all these payments easier.

I am targeting duplexes on the same street.