Attracting capital will be tough when you start out due to not having a track record. 

Currently, I don't have any second mortgages or helocs because the idea of keeping track of more than one mortgage per property has been a tad daunting and decreasing my cash flow at the moment is something I'm battling mentally with.

Not going to comment on high or low because a lot of people underestimate the time and work that goes into a loan, underwriting, and tracking docs. etc.

@James Carlson It might be dated by now but any chance you can send me that Morrison ordinance and info you tracked down?

It’s a great way to lower your taxable income and improve cash flow.4.Dividend-Paying Stocks/Covered Calls: If you’re still leaning toward investing in the stock market, dividend-paying stocks or using covered calls could provide steady income while reducing risk.5.DSCR Loans: You’re already on the right track with DSCR loans—a great option to keep scaling your portfolio without relying on W2 income.Hope this helps give you a few more ideas!

They have a good reputation from what I've seen but does anybody have a long-term track record with them in Memphis or Little Rock.

Sounds like you are on the right track doing research on different markets from the Midwest to Texas. 

If the goal is to work with a well-priced quality lender, narrow your search to DSCR lenders that have solid reviews and a track record of closing.

If we had a GC with a solid track record, I'm confident I could find the capital.

Does the broker have a solid track record?