we gave away over half our “income” in 2022 and 2023.  

I have always found that using a local credit union or business-friendly bank and putting my properties into commercial loans with those banks has been the easiest and simplest way.

I can't imagine willingly refinancing to add +4 points to a half a million note. 

It's best to find someone like that as the other half of the deal also.

I am an individual investor with 37 rental units and have done a half dozen flips in the past 5 years.  

We r half way there and just bought the land abutting the property.

we purchased the home at a 3% rate and have owned it for about 2 and a half years.

I have done a half a dozen of these transactions.

"I didn't have time to cold call, its hard being a buyers agent etc" I parted ways with half of my brokerage in the last 12 months and have a little more coming this summer but we are better for it because I figured out what I was looking for and my guess is it will take you time to figure that out also.

You do need to tell your homeowners insurance that you are a landlord and are leasing out the other half of the property so they can write the appropriate liability coverages for you.