Quote from @William Coet: Hello,Trying to get a ballpark on what the current best terms and lenders are for 6 unit multi-family.Lowest origination fees, Lowest APR.Thanks If you go the Multifamily DSCR Loan route (instead of more traditional bank financing) rates probably anywhere from 8-10%, however, monthly debt service tempered by 30-year am and 10-year IO options 

I get the savings on a tradition purchase at the same amount, I just don't understand the seller's position going into the deal.

Traditional brokerages are also ‘Pyramid’s’, however, the agents are at the bottom!  

It’s true, there's a certain reassurance in traditional, in-person closings where you can see all parties and the attorney right there.Still, virtual closings are generally secure and are backed by robust technology for identity verification, which should ease some worries.

If I got a Heloc, once the property is built, could I get a traditional mortgage and pay off the heloc and then tap into the new equity as well?

I am not going to go with a traditional bank at this time with all the hassles that come with them so hoping to find some insight on "TheLender" or any other lending group that allows 20% down as a DCSR loan on a STR, SFR in MN which happens to be a no pre payment penalty not allowed state.

I agree with some of the other posters that investing in a syndication or fund could be a good fit given your situation.I started investing in some fix and flips and some smaller residential properties from traditional BRRRs.

But with showing minimal taxable income over the last 2 years, it's now hard to qualify for any type of traditional bank refinancing.

Zarrin  Crowdstreet has traditionally had the largest # of deals to choose from (although at the moment has just a handful). 

My thought that is if I take out a traditional loan it still hits my DTI where as hard money wouldn't.