I think I’m going to lower the price a bit after Thanksgiving, because I really don’t want to go into Christmas without it leased.

Most lenders will use the middle of your three credit scores and if there's more than one applicant, the lender will go with the lower of the two credit scores.

I am also an Italian citizen, I lived there for a while, so I know the place and my family lives nearby.House prices are also lower in the areas I invest in comparison to Munich where I live.

This is what is pushing up rental demand for small MF properties that having lower rents, fees, or total move in costs compared to other larger commercial apartment complexes.

If your goal is to offset your mortgage with a house hack then Lowell would be a good bet, but if you're looking for a longer term appreciation play then the areas closer to the city would be better, although the offset from cashflow may be lower than what you're looking for.A good step for you would be to dig into specific areas more as @Lien Vuong noted above.

Any ideas how to lower this or use it as a owner occupied property?  

DSCR right now is going to have better rates and lower cost right now.  

For instance, someone making $500k a year and living in a very highly appreciating market might be extremely happy on a deal that loses $200 a month but is getting 5% appreciation on a 2 million dollar property in San Diego, butut that doesn't make sense for the investor with 30k and a lower paying job.When it comes to the book series I agree with you that the order doesn't make sense (having read both).

Ensure the property appraises at its updated post-renovation value to maximize the equity you can pull out.A refinance isn’t a taxable event, but transferring ownership to your LLC may affect depreciation or future capital gains.

A balanced market is typically around 6 months of inventory, so a lower number represents a seller's market with limited inventory.——————————————————————————————————📢 Second Largest In-N-Out Burger ConfirmedIn-N-Out is bringing a retro vibe to the Strip!