I will be based out of Aston and will be trying to focus mainly on the Delaware County area to start my career.

In my opinion, once you know the rates for a specific deal, the best practice is to underwrite base on the upper threshold of the range for similar deals to be conservative.

Located about 1/2 mile from the base of Sabino Canyon recreation area and Coronado National Forest, beautiful mountain views, cut-de-sac, very nice neighborhood.  

It's a GA LLC, but we're based out of CA. 

Based on my research, several lenders stand out, but I’d appreciate firsthand experiences.Key Considerations:Loan Terms: Fixed rates up to 35 years, interest-only periods (e.g., 10-year interest-only options), and non-recourse structures.Competitive Rates: Recent transactions show rates ranging from 2.69% to 4.65% depending on LTV (55%–80%) and property type.Lender Specialization: Some lenders excel in specific areas:Greystone and Walker & Dunlop lead in Fannie/Freddie volume and large-scale refinancing.Arbor Realty Trust is praised for smaller-balance loans and flexibility.CREFCOA offers streamlined refinancing with 45–60 day closings and cash-out up to 80% LTV.HUD 223(f) loans provide 35-year fixed terms, ideal for stabilized properties.Questions for the Community:Have you worked with lenders like Greystone, Arbor, or Freddie Mac?

If you don't have a US-based bank account, I would get one as that's a requirement by most lenders.

Very difficult area to be a landlord.Tenant base is lifer tenants. very tough on the housestheft is rampant you leave a home vacant for more than a few days and you HVAC AC unit will take a walkKids break in and trash them.YAZOO Clay screws up the foundations big time.And lastly with those homes they were built so cheap in many instances they are just functionally obsolete and take way more maintenance than other areas of the country.

PM me and I can send you my template for this.Before I started handling these myself, I used: George Gibbs who's based in Charlotte but works state wide from what I understand.

Based on your situation, you will likely need to recapture the depreciation when you convert the property from a rental (STR) to your primary residence in 2025. 

Since your name is on the deed, you have a few options to secure financing for the rehab:Home Equity Loan or HELOC – Since the house appraised at $500K and you own it outright, you may be able to take out a home equity loan or a home equity line of credit (HELOC) based on the home's value.