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. 

I ended up giving him some seller concessions (Which I ended up raising the price to make up the difference), he bought with a conventional loan, and overall was a smooth transaction.

Then, you can refinance both of those VA loans into conventional, keep them as rentals, do what's called a "1 time restoration," restore your VA entitlement, and repeat the process again.

I would like to make him an offer of seller financing or conventional mortgage and show how the seller financing could be a better deal but I'm not sure how to go about offering that.

Conventional How did you add value to the deal?

Inventory in both places is low, and we all know rents are going up making it possible to have a decent cashflow in both places.

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