We typically lend to 80% LTV (loan to value), but if our DSCR is less than 100% (1.00 DSCR) coverage we reduce our LTV to 75%. 

Maybe I have considered it but I will probably be able to get reduced commission from the agent I work with.

Consider materials that are easier to install or have lower shipping costs to reduce overall expenses.Buy in Bulk: For investors handling multiple projects, purchasing materials in bulk or sourcing from wholesale suppliers can save money.

A minimum 20% down payment allows for more cash flow but higher monthly payments. 25% down offers better interest rates and lower monthly payments, while 30% down can improve cash flow but reduce liquidity.

Anticipation of these cuts has already reduced mortgage rates to their lowest in nearly 20 months.

Tenant Relations: A property manager with excellent tenant management skills can reduce turnover and increase tenant satisfaction.

The $11k you spent on furnishings is high-many operators cut those costs, which can reduce your break-even period.While 1.5x long-term rents is typical in places like Oregon and Texas, some niche markets (e.g., corporate housing, traveling nurses) do achieve the 2-2.5x multiple.

Energy efficiency upgrades to reduce operating costs.

Coolbaugh township is considering reducing occupancy (affects 1/2 Arrowhead Lake, Pocono Country Place, Pocono Farms, Pocono Farms East.

If it reduces your vacancy rate from 5% to 3% over the 20 years years what is the payback?