Are you asking about an adjustable rate mortgage?

I recommend you do this annually to adjust for utility increases and other variables.

A second home loan isn't as appealing as it was in the past after adjustments were made to make pricing similiar to that of an investment property.

Your first deal should be close to turnkey to limit risk and get a feel for your team and make any adjustments for your second deal.  

Correct, and it would adjust basis just like your typical mortgage would 

The number is ticking up but Ohio is still fine in vast majority of cases - anything over loan balance of $110,223 (2024 limit) doesn't apply - since most DSCR lenders have minimums around $100k loan amount, barely affects thingshttps://com.ohio.gov/divisions-and-programs/financial-institutions/consumer-finance/guides-and-resources/loan-prepayment-penalty-and-adjustment#:~:text=Effective%20January%201%2C%202024%2C%20no,loan%20of%20less%20than%20%24110%2C223.

These adjustments should make your message clearer and easier to understand for whoever you're asking for information from.

Socialists always come up with adjustments changements new restrictions and therefore your investments are unsafe and you deal with endless insecurity.

Because of the speed and ease, of making and cleaning up, I think this is a habit I can maintain for the reset of my life

I would love to do one where its like speed dating you get to spend 5 minutes with each person that shows up and connect.