@Denise Brown-Puryear I am biased as I co-own BIFI Loan Servicing.

I am not sure what you are looking for here, but you can't get a loan without having homeowner's insurance.

I believe your loan could get called if you transfer ownership to an LLC without consent of the lender, especially a brand new LLC that does not have two years of tax returns.

It's been disappointing when the fed cuts caused increases in the 5yr rate (that our dscr loans are tied to).

Go to your town clerk, and look up all the information on the loans on the owner and the property.  

Lets say someone has 190k left on a 2.95% loan for a 220k property.

Consider starting with a few lower-cost flips with a smaller loan-to-value ratio to reduce financial strain.Market Research: Sacramento can be volatile, so I’d recommend keeping a pulse on local trends—particularly in the neighborhoods that have potential for growth but haven’t quite hit their peak yet.

And maybe it's not all or nothing for a given method, sometimes a combination of various financing tools is what wins.

Like I see how it could work in a perfect world but i cant wrap my head around the idea that I could be making a profit if I still don't actually own the house and still have to pay down all of the loans.

I just closed a DSCR loan on a Duplex with Total Quality Lending.