DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Most lenders will vary how aggressive they will get based on the experience of the operator (you), but I don't know any that will lender to someone who's never done a spec build like you're contemplating.

The city wants to tear the property and surrounding properties down Zillow said it’s worth 38000The city offer me 13000.I could use some adviceHard to give advice with limited information, but as a general rule, the longer you wait and the further down the line their project is the more valuable your property will be to them.Zillow (and all automatic online) estimates are very unreliable, so don't base on that.

I love algorithm based cost seg studies.

This actually seems like a great scenario for a 1031 exchange based on what you've said.

The already-constructed home is one point on the base of the triangle, and the other plots comprise the rest.

Based on this article (https://www.thebaltimorebanner.com/community/housing/baltimo...) it looks like that out of 41,000 tax lien sales, 1,750 were foreclosed on.

I’m based in Utah and plan to invest in long-term rentals in UT, OK, and/or TX.

Based on the numbers and my strategy, do you think this is a good investment for my first property?

Pick a lane based on your strengths and long-term goals.