It's all a game.

I'm receiving multiple offers ranging from 11.75% to 12.25% with points varying from 2% to 3%.

It's not a zero sum game and they don't have anything to gain by telling you straight, ie they're not going to tell you it's a chump fund if the underlying structure is solid.

Opinions vary!

Hey Hai-Section 8 housing rules vary from state to state and even city to city.

Turning a garage into a game room will probably pay for itself relatively quick. 

Hi all, hope everyone is doing well and just wanted to introduce myself, returning  from 2005-06 when we did few flips (3) and few rentals (4) and learn some do's and do not's. Difference this time for me is hard mone...

It will vary by lender.

I understand these numbers can vary depending on financing, market conditions, and other factors, so I’d appreciate any insights based on different scenarios:All-Cash Deal: If this were an all-cash transaction, what multiples or IRR would you consider acceptable or ideal?

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).