If you used conventional on the first one, FHA is still in your toolbox. 

Median Price: $699,900, +7.68% Yoy.Closed Sales: 4,105, 7.55% Yoy.YTD Closed Sales: 17,109, -0.50% Yoy.Inventory: 6,121, +34.14% Yoy.YTD Inventory: 27,419, -6.69% Yoy.New Listings: 5,203, 8.67% Yoy.YTD New Listing: 25,440, +7.73% Yoy.Months Supply: 1.9, +46.15% Yoy.Cumulative Days on Market: 27, -10.00% Yoy.

Deals are taking a bit longer to close, reflecting a more thoughtful market.Active Inventory: Active inventory rose significantly by 55%, with 4,379 homes available compared to 2,826 last year.

This slight drop shows deals are closing a bit faster.Active Inventory: Active inventory rose significantly by 35%, with 3,929 homes available compared to 2,911 last year.

It also states: "The landlord shall inspect the premises and itemize damages against and Inventory Checklist.

Deals are taking a bit longer to close, reflecting a more deliberate market.Active Inventory: Active inventory surged by 47.84%, with 5,170 homes available compared to 3,497 last year.

IMO the inventory shortage has pushed primary buyers into investor territory. 

Should I go conventional or DSCR?

-Appraisals seem to come in low a higher percentage of time than with conventional loansAs a listing agent, this is the order of preference for how the loan on an offer looks1) All Cash No Contingencies2) All Cash Some Contingencies3) Hard Money Local Hard Money Lender4) High Down Payment Conventional Loan5) Low Down Payment Conventional Loan5) FHA/VA Loan6) FHA/VA Rehab Loan7) Hard Money National Lender

in Sojac these days its pretty much landlord dominated and values only track what a landlord is willing to pay for a given cash flow exit is very limited there is not much in the way of owner occ their anymore.when i first started lending in Jackson about 2003 there was a ton of owner occ flipping going on in sojac and thats all we did.. then the lending rules tightened in that area and the only exit became to sell to landlords and mainly out of state landlords as there simply is not enough local landlords to take up the inventory that has become available there.