I learned I could save $10 and time by doing the bank transfer from home, but still I'd be out $53 every time I pay.   

If you don't have the cash, start saving now, and if you can pick up a cohost client or 2 you will save it quicker than you think.

Talking with a good CPA can help you explore options on how to save on taxes.

Website is standard...the thing is, if they get your info they will literally harass you with phone calls from some place in India.

Thank you so much Bryan, this info was very helpful.

I have saved $25k over the last 18 months and continue saving $1500/month from my job.

I really appreciate it If you can pay in cash and not deplete your liquid cash below your emergency savings bucket, I would go cash right now.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

Many borrowers think they can “cut out” the middleman (mortgage or loan broker), save some upfront “points” and fees, and go direct to a lender.  

I have been saving for years to invest in my first multifamily property.