I find DSCR most lenders are 8 to even 9% for max leverage on 5+ right now.

And also, what could possibly go wrong if I'm leveraging from the lender?

Brian Davis: My company SparkRental organizes a passive real estate investment club, called the Co-Investing Club.

My vote is if you are going to continue to buy, you need to utilize leverage.

Leverage your existing equity to invest in smaller properties, such as a mixed-use or retail space, to gain experience and cash flow.

Coaching or mentorship in real estate investing can allow you to collapse time and "skip to the front of the line" by leveraging the experience and knowledge of those who have already achieved success in the industry.

While living in a high-cost area can present challenges, it also opens doors to creative strategies, like investing out of state or leveraging partnerships.

Here's the problem: They are not a sustainable asset for most to own; they are difficult and costly assets to exit through a sale; if you achieve favorable refinances, you may be able to use those funds to buy other (hopefully better assets) but are now faced with operating highly leveraged bad assets. 

That way you leverage their time to get an ROI. 

As a licensed Real Estate Broker in Maine, I managed the acquisition and renovation of 1272 Lakins Rd, Etna, leveraging my expertise and industry knowledge.