Don't be afraid to negotiate, particularly if you have a lot of rentals.4.

Are there particular events or forums where you’ve successfully connected with investors?

With your excellent credit and a solid down payment, they may be open to adjusting their rate, especially if they know you’re shopping around.Explore Non-Traditional Lenders: Some private or hard money lenders could offer lower rates for DSCR loans, particularly if the property cash flows well.

They do this to limit risk.However, some lenders may be more flexible if the deal is particularly strong, and your experience or financials are solid.

While I appreciate some of the comments others have made, they simply do not understand Florida law regarding security deposits and that this particular law firm has found a legal loophole in order to extort money out of landlords all over the state. 

Any particular guidance you're looking for?

I'm particularly interested in investing in single-family homes (SFHs) or multi-unit properties in emerging cities across the United States.

I personally think it's way too easy to escape debts in modern society, so I'm curious to know the mechanics of this particular situation.

I personally wouldn't include a mastermind in your "cash invested" or ROIsince that's just a general/high lever business expense, not an investment in any particular.

For most people a house is the biggest investment and emotional purchase of their lives.The best brokers are experts in a particular micro-market and that knowledge is valuable.One issue with lawyers is they are more skilled in protecting clients from negative consequences than with making deals happen, so their skill set is aligned but not the same.