My current debt is 590 times my 2024 income.However, I recently locked a 6.385% 30 year, 75% LTV, with 2 points to buy down DSCR loan. 

I was also on the construction loans..

Connect with local wholesalers and investor friendly agents and provide your criteria to start receiving deal flow.

Through a hard money lender, but I will take out a DSCR loan in March to refinance.

There are some amazing physician loans available that can allow you to purchase a owner occupied single family property with 0% down. 

It has seen steady appreciation, and multifamily properties can provide strong cash flow.

Make sure to provide clear disclosures to the seller about the risks involved, especially regarding the existing mortgage staying in their name.Insurance Considerations – You’ll need to work with an insurance agent who understands sub-to deals, as the lender might require a policy that keeps the seller as the named insured.Due-On-Sale Clause – While banks rarely call loans due, it’s still a possibility.

One suggestion to consider as I mainly do BRRRRs as well- find a local bank or credit union in the area you plan to buy that offers construction loans.

where can we find places-websites to analyze areas that will provide positive cash flow?

This week, two critical economic reports—the CPI inflation report (Tuesday, February 13) and Initial Jobless Claims (Thursday, February 15)—will provide new insights into whether the Fed will stay on its current path or begin signaling rate cuts.Real estate investors looking to finance new deals, refinance existing loans, or time their next acquisition should closely monitor how these reports shape market expectations for the Fed’s next move.Current Market ConditionsMortgage rates have remained stubbornly high due to persistent inflation and a strong labor market.