I am approved to use VA loan at 5.5% guaranteed.

What are you considering a "conventional" loan vs. a DSCR loan?  

Pre-approval for loans is essential, as is learning landlord-tenant laws to manage effectively.

@Elizabeth RossFor properties under 100k you will likely need to use the BRRR method as its difficult to get a 30Y loan on a properties valued under 100k.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

The $450K will be returned to me as payback of my loan to the intermediary, without trigger any capital gain taxes, right?

That way you avoid using a lender and do not have to pay lender or loan officer points.  

.#2 Keep an eye on interest rates based on what the loan officers proposes. 

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

However, understanding their requirements—such as down payment percentages, reserve requirements, and loan-to-value ratios—is key to getting approved.One of the biggest advantages of working with portfolio lenders is their ability to fund deals that traditional banks might pass on.