Then connect with some hard money lenders (you can find some here on BP as well as some who are typing this right now) and connect with them to understand their product type, what they like to lend on and requirements.Hard money broker is all numbers game of making relationships and helping those that are looking for financing, it starts out slow but if you get with a few good borrowers and lenders it can be pretty decent money to be made.As an example we paid six figures last year to HM brokers. 

Alternatively, DSCR loans offer long-term financing with lower rates, but they come with more complex requirements.

Many other investors offer the same deal and it doesn't cost any upfront monies whatsoever.

We have a 30Y Fixed DSCR product that would likely fit your needs. 

Low down payment (3.5%) is attractive, but comes with mortgage insurance and might not offer the best rates.

If they pass that initial trial period, I offer a 6-12 month renewal. 

Overall i am pretty sure that you and I are in agreement - people usually underestimate the expenses, so it is always good to err on the side of having more reserve.

Hello,I am a Software Engineer and a Real Estate Investor working on a tech product for the real estate mortgage brokers.

Here’s what made a difference for us:🔹 Mortgage Relief – Many lenders offer disaster relief options like payment pauses or loan modifications.

And I think a lot of companies will realize that productivity is generally higher in cooler climates.