DSCR loans require upfront work to calcuate multiple factors based on either the PITI or the ITI and know your ratios up front. 

So all in I am at $240,300 , hard money I am factoring in as 15% rate and since I’m borrowing 840k for let’s say 6 months , I’m factoring in hard money costs at 63k for 6 months So now all in I’m at $303,300 ARV should be at least $1.3 million (conservatively) I would cash out refi with a dscr loan and get back 975k , I would pay the $840k I owe to the hard money lenders , leaving me with 135k , and I would pay myself back with that money , and since I would have $303,300 invested , I would pay back 135k to myself leaving me with $168k invested in the house with a equity position of $325k , the actual house number are such after the cash out refinance: This house has 2 units and 3 accessory units Mortgage : $7100Heloc payment : $1300Total = $8400Live in 1st floor Rental income 2nd floor : $30003rd floor: $1500Accessory unit 1 :1200Accessory unit 2 $1200Income : $6900 Net : negative $1200I also already have a house that’s breaking even , but I’m living in one unit and if I move out that house would become positive $1500 which I can put toward the payment of one of the other houses .

Here are some factors to be considered.Interconnection - This is a very deep topic and biggest risk to the project.

View report*This link comes directly from our calculators, based on information input by the member who posted.Looking for a bit of assistance on this not sure if i calculated the holding cost correctly  and other factor.

Factor in those costs (usually 8-10% of rent) when you're running your numbers.You mentioned the challenge of acting quickly on properties while managing your dental practice.

So when you look at W-2 earners pay stub you can factor in about 30% more in benefits over the pay.  

For you, is having a 5-star overall rating on rental sites the most crucial factor for success, or are there other aspects that you consider even more important?

@Felicia WestWhen choosing a down payment for a traditional mortgage, consider factors like risk tolerance, scale, and financial goals.

Have to factor in vacancy, PM fees, maintenance, repairs, turnover, cap ex, etc.

More seasoned investors, who have a better grasp of external factors and market dynamics, find C areas more appealing due to their higher potential for cash flow and equity returns, albeit at a higher risk that requires greater expertise and understanding.