Freddie SBL offers 5-10 year fixed rate options, as well as 10-20 year "hybrid ARM" options which start with an initial 5-10 year fixed rate period, followed by a 5-10 year floating rate period.

I have been digesting all things Real Estate so right now I am working to lower my DTI while saving at least 6-7% for the Owner Occupant down payment (to include closing cost, etc.).

Here's a good starting point: https://www.biggerpockets.com/blog/what-to-ask-a-real-estate... 

I think there is a great chance to get some long term investments in areas where the growth is not happening yet or just starting to happen.

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).

Many Gen Z buyers, however, are still in the process of securing their down payment funds or comparing loan options when they start making offers, putting them at a significant disadvantage.Looking AheadDespite these challenges, Gen Z homeownership demand remains strong.

At 6% I’ve only saved $360k, but you would have saved $720k, an extra $72k/yr.

Since then, I've chosen the Couer d'Alene/Post Falls area and have already started working with an agent.

Just starting to research how to invest w/ SDIRAs. 

People started to ask me to help them learn how to invest so I started coaching new investors over the past 7 years on how to start investing in real estate.