My thoughts: don't get set on just one trend since your goal is to purchase in 2026, as we've all experienced, a lot can happen in a year.  

Yes - you can get a DSCR Loan with 15% down payment.

My goal is to get into the project management realm of residential construction to start.

Rewey: Great post topic...I'm going to pop some popcorn and will be back for the show.Just to get things rolling.

Hi @Taqiyyah Ellis congrats on getting your deal to the closing table. 

I recommend everyone always create their own IRR calculator as they can get pretty complex and oyu will want to understand all the inputs and outputs. we provide a basic one to those in our membership group but I always recommend build your own and understand not only the numbers but sensitivity that lines up with those inputs.If you are hard money lending thats simple as its just a column of dates and amounts for loan provided and monthly interest and points.

Might be able to get 1/4 to 1/2 point better on conventional DTI over a DSCR - could run multiple scenarios to see what works.

Homestead exemption in LA is a tax break that homeowners get on their primary residence.

The last 5 deals I bought were all basically move in ready, bought only at a slight discount after deals fell through. 

If they gift it to you- you get their basis.