The most important factors a hard money lender will look at, if you don't have experience, is your liquidity and credit score & history (as well as your background -- no liens, judgements, foreclosures, bankruptcies, etc).I would hit up @Michael Cid -- he's a tremendous resource and is a direct lender. 

That, combined with a couple other factors, has me confident that it will get the top rent in the area for any multifamily unit!

It was similar for COVID.When you buy a property, many other important factors are fixed and cannot be changed, as illustrated in the diagram below.

To the seasoned investor, a loan rate of 7.25% versus 7.35% is not the priority when there are other factors far more critical to the success of a rental.  

Hey Don,How does your age factor into this?

Closing real estate deals in any economy requires flexibility, adaptability, and a variety of strategic approaches. Here are several key strategies to help close deals, regardless of market conditions:
1. Understand ...

There is another factor that is your family so understand what is the impact there.

DSCR lenders tend to go with 1.0 DSCR from what I've seen (and don't even factor in maintenance, management, vacancy, etc. for some reason), but they also tend to be more expensive. 

However, the money needed to start real estate investing depends on several factors.

The formula calculates the maximum amount to pay for a given property once two key factors—the after-repair value (ARV) and estimated repair costs (ERC)—are considered.The 70% Rule Further ExplainedThe 70% rule states that real estate investors shouldn’t pay more than 70% of the ARV minus the repairs needed.