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.

I do have a question about being a first-time investor, would it be better to go in as a traditional buyer, live on property while fixing?

I think that many investors who have bought property in the last few years are equity rich and cash poor.

To make the most of this opportunity, I'd love to hear advice on promising emerging cities to focus on, the advantages and disadvantages of each, and alternative financing methods beyond traditional mortgages

Sellers believe that by providing flexibility, they can attract buyers who might not qualify for traditional loans and, in turn, command a better price for the property.This perceived advantage can sometimes lead sellers to agree to terms that heavily favor the buyer, such as zero-interest loans or accepting second-position liens.

I first got interested in real estate investing from reading Rich Dad Poor Dad. 

Looking at traditional financing for a 30-year.

Easy pickings for them.ConclusionTax strategies, loopholes, secrets of the rich, tax-free wealth...

Option 2: I found a house that the asking price is 930k , but I’m sure I can get a discount on it because it needs a lot of work , it doesn’t qualify for traditional financing , so I would need to take a hard money loan , it needs about 150k worth of work , the plan would be to offer the full 930k asking price but ask for a 6% seller concession , I calculated 20% down payment and 7% closing cost , so total after seller concessions comes out to 21% down payment which is $195,300 .

The information about basic real estate investing has been democratized for quite a while, and I can't imagine there are any deep dark secrets being shared there that will get you rich quickly.