The higher appreciating plays of these will be in TX or OK but with the higher interest rate that comes with the dscr loan I'd be prepared to put more money down. 

Put the same capital in say a good spring branch area and you'll have considerably higher profit % and $ wise.

If you do not have US FICO, then the best I see on the market is usually 75% LTV with slightly higher rates.

With it going higher in the short-term.

ST rentals are much more profitable and command cash flows are often higher than in the US if you buy the right property in the right market.As an international investor, I find Ladislas Maurice interesting but there are different types of international investors and most international investors I know wouldn't go through the hassle of what he does for the kind of returns that he gets.

The FF rates in my zipcode are higher than I expected and their quality is less than what I'm bringing online! 

Most are single families in the $1.5-$2M range, so we new that a duplex would be would have a much higher ARV than other duplexes in the area.

Also Mike, why is cash out higher with refi, do you mean just with the credit union scenario? 

The higher credit is attractive, but what if the couple's income is 3.2x the monthly rent and the single woman makes 6x the rent?

If you start buying properties in Class C neighborhoods, you can take advantage of higher and more stable rents/renters with Section 8 vouchers.