@Kaitlyn AragonHey Kaitlyn, I see you're adjusting your strategy...

Their adjuster is reviewing the papers!

DSCR can be fixed rate or adjustable.

The HELOC will likely be variable rate (mine has adjusted from less than 4% to 10%}.

It's essential to evaluate each deal individually, considering factors like your specific market, property condition, and your own risk tolerance.Here's a quick summary of what you might do:70% Rule: Use this as your initial benchmark to assess deals, especially if you're looking at traditional financing with 70% LTV as a goal. 75% Rule: When you have access to lenders offering DSCR loans at 75% LTV, adjust your analysis to match this new lending option.

I've also done the manual floor scraping method which takes forever! 

Or do you think in 2 years my $200,000 down payment would've just been better in the stock market earning a historical average of 10% (With dividends reinvested, not adjusted for inflation).

Banks will be more likely to have an adjustable rate with a floor which could benefit you if the fed starts to reduce the rates.

Usually without any hesitation.However, be ready for the valuation to jump back up the following year as you will have to prove next year that the house is not worth what they will adjust the property value.  

I personally made some adjustments but overall it works well to analyze deals. - The weekly calls are consistent and offer great support to getting deals locked up.