DSCR or Fannie/Freddie loans can go up to 75% on single family homes, multi family homes (2-4 unit) max at 70% if you stick with Fannie/Freddie.Other things to consider would be:Paying points for a lower rate vs higher rate with no pointsIf going DSCR - Prepayment penalty term (0-5 years)The lower the loan size ($200-250k and lower), you should consider paying up to 2 points and doing a 5 year prepayment penalty if going DSCR.

I’ve been working with several lenders for DSCR loans, but I’ve found that the fees are quite high, with minimal benefit in terms of lowering my current interest rate.

In general higher cost neighborhoods are safer than lower cost neighborhoods.

Lower the price2.

The Heloc can also pose as a debt obstacle since its an open end mortgage a.k.a credit card.a mortgage is also set up over 30 years so it offers a lower rate and payment. 

While I could have gone lower I am lowering my risk tolerance because I expect a recession in late 2019 to 2020.

There are so many options for LVP now, from lower priced to higher.

Just google the following: - special assessment - zombie condos - Florida condos (look for recent news)Since you are not living near the properties anyways, why not look in a landlord friendly state where the purchase prices are lower?

Typically needs 20% down, but offers lower rates and you can ditch the PMI (private mortgage insurance) once you reach 20% equity.

Cheap houses in lower class neighborhoods will get you cash flow with a lot of headache.