We all use private investors or NON/QM investors for DSCR but some again charge points and some do not because they UW the file (Mini-C).Most Bankers typically offer rate closer to PAR or less margin built into the rate.

When I first set up the home, my target demographic was young people looking to host events like bridal showers, game nights, and baby showers.

She’s the love of my life and we have a baby girl due April 29th- I was scared to go to my first real estate investment meetup.

After all, a baby can't work. 

Still, we've re-opened our VRBO listing and have just started a listing with Mini Stays to see how they perform. 

-Have a Baby Gate/Guard around the pool, one with drilled holes.

Treat it as your business and baby.

My experience is the min is around 15%, but I've read some posts on BP that some lenders can offer a lower minimum (but that usually means a higher interest rate).

If you’re looking at retrofitting to separate heating for each unit (like furnaces or mini-splits), you might be looking at a higher upfront cost, but it can shift utility expenses to tenants and improve your NOI.I’d factor in boiler age and efficiency when analyzing deals and if it’s near the end of its life, negotiate a price reduction or a credit.

Build baby, build.