Research local economic trends, rental demand, and any recent or upcoming developments in the area.

Here’s how I’d approach it:For the 9.5% Loan: Refinancing into a DSCR loan makes sense to lock in a lower fixed rate, especially if your goal is stability and better cash flow.For the 7.25% Loan: If the local bank's investment HELOC offers a competitive rate, consider it for flexibility.

My financial standing: Income - 130k W2 Credit Score: 690-710 (depending on when it's pulled)Debt: 330k VA Loan on primary residence, Car Loan $11k and no credit card or student loan debtCash: 30k Children/dependents: NoneI'm looking to be an out of state investor as my local market (Las Vegas, NV) is out of my price range and decided on Kokomo, Indiana to get a property around $100k-130k.

Suzanne, This is impressive - love to see deals being made in my local market.

.: This is one I’m considering…they’re active in the local RIA here in Orlando (CFRI.net):https://sdrhouses.com/ I know Rob Arnold (broker) personally.

I have called some local lenders (I prefer to deal with local banks if possible), but have not gotten very far.

Highly suggest checking out the local meetup groups: https://www.biggerpockets.com/forums/521-real-estate-events-...Our monthly meetup is tomorrow, so that might be a great place to start! 

Alternatively, google the local real estate investment groups.

I’m local to the area and have a few good insurance contacts that may make the difference for you. 

@Jaycee Greene local bank.