My conversion rate was higher because they kind of look like a wedding invite.In regard to lenders, join meetups and local facebook groups and ask for referrals.I’m doing larger commercial deals now and found I wasted a Ton of money on direct mail.

@Melody Everett-Neddo Yes, they changed the website. 

So, things change a bit.If it is his personal home, there are more restrictions.For an investment property, if you take over his financing, read through the deed of trust (mortgage) and see how they handle transfer of ownership.

Im self employed, roughly make $130k gross anually, 1099 NEC , no debt at all, 740 credit score.  Want to get a loan for $250k in AZ

So this is creating more competition and more agreesive rent rates and/or concessions like 1 month free to get those vacancies filled.

Combine that with insurance raising rates not just for dropping licensee count, but also to cover increased lawsuit risks.

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For a cash out refi, you are generally limited to 75% LTV and rates right now are in the mid 7s for good credit and a DSCR over 1.0. 

The higher the cap rate, the more risk involved in the building. 

Someone said you cannot make changes to the report after completion.