No fees = higher rates.

@Andrew Self I would like to think that my company is the best and offers the lowest rates and closing costs, but perhaps I am bias.

Interest rates were what, near 3%, 5 years ago.

However, with high rates, the next mortgage would be very expensive, and a vacancy would be intensely expensive with two mortgages.

I would enjoy meeting other like minded investors in my area.  

True-Up & Billing Cycle ChangeSince you were underbilled before, your current bills may reflect actual usage rather than an artificially low estimate.The switch from bi-monthly to monthly billing means your payments are more frequent, making the cost feel higher even if the overall rate hasn’t changed.2.

Exit strategy = You may get an awesome rate on that DSCR, but what is the prepayment look like?

But guess what, rates WILL drop in the next few months/years and most markets will explode after that IMO.If I had 25K I would look into B or B+ (specifically with schools above 5 greatschools rating, and moderate to low crime rate confirmed by heat map and frequenting businesses there) areas within 25 minutes driving distance from my home for a SFH. 

I hear from a lot of would be house hackers who do not understand that the paying for the whole mortgage and generating cash flow with today's pricing, rates with a low down payment is just not possible and keep renting. but, that is missing the forest for the trees.

I'm not at the current IC Retreat, but I hear the group is enjoying themselves and great information being shared.