The only way you can break that log jam right now is severely lowered fed rates, but the level of federal debt is such that they're in a no-win situation because there's going to be little appetite these days for buying 1% fed notes from overseas.The fed rates were kept too low for too long.

A lot can happen in 12-years and we are currently in an inflationary environment where the rates don't seem to be going down with the Fed lowering short term interest rates.  

For new build to rent properties, expenses are generally lower than for older homes, but it's best to remain cautious.

The prices they have are towards the lower end and in PM you tend to get what you pay for.

I have a priority credit line on my brokerage account that is now > 1% lower interest rate than my mortgage.

To protect the floor or more importantly the lower level ceiling in the case of a leak/overflow form the washer. 99% of them never do anything their entire life. i would have balked at a $500 estimate for that job.Ps.

From time to time, the DSCR rates do get lower than conventional.  

However, if you can STR the home at a higher profit, or LTR it at a lower profit then you've got the makings of flexibility :) 

People saving is record low, it is lower than 2009.

One approach is to emphasize your reliability and track record, showing that a lower EMD doesn’t impact your ability to close deals successfully.