DSCR is one of the easiest loans to get approved for.

The main investor still wants to go through with it *if* they can find someone to go in half’s with them, but I’m afraid they won’t be able to find someone to go in with them in time.Here’s some more info, if it makes a difference, so you could give more spot on advice: the house is extremely unique in California, three hours east of SF in the Sierra Nevada mountains & and was built by a bridge maker as his own residence back in the 60’s, so it’s one of a kind.

It was a lot easier when rates were half of what they are today, but we're sitting at a 22-year high right now.

I mean, that's about half the value of a better Canton house! 

In other words, if going up to 80% vs 75% cost 2% additional points up front and half a point in interest rate higher is that extra leverage worth it? 

What do you think about what the platform professionals told me:"I understand you have a duplex and that previously you lived in half and rented out the other half (I am assuming a 50/50 area split).

That might could even go half out there bottom and half cut in at the top. 

In general, the 100 hours tends to be the easiest to achieve but if you have 101 hours tracked and the IRS discredits 2, now you cannot offset the W-2 as planned.

Toledo’s median home list price of $200,000 is less than half the national average while price volatility has been muted compared to the wild fluctuations in much of the country.

Think home appreciation in the 3-7% is about right, rent appreciation half of that.