@Brandon Ja, I am somewhat along the lines of @Stuart Udis with how I approach things.

This approach allows me to structure deals that benefit all parties involved and unlock unique opportunities in the market.I'm eager to connect with fellow investors, share insights, and explore new opportunities together.

It was around the time of COVID, making it incredibly hard to find reliable tenants.

This approach has worked well for us so far.

It's awesome to hear that you're growing and learning more every day, thanks to the incredible support and shared wisdom here.

Others require a more hands-on approach.

The 2- 4 unit builders are never, ever DSCR constrained, in fact I've seen some incredible DSCR numbers when pricing 2 - 4 unit refis. 

Your best approach is to model the fixed rate and ARM for 5 years.

If they can't/won't facilitate look for a new local business bank that has a "consultative" approach and see what they'd consider to bring your banking to them.

So what's your approach, and why this property vs. any of the others in the area?