For me, if I make $1500 net per month on a free and clear property I would make $18,000 / year.  

Do you have personal experience with these?

Credit Unions are pretty great, as in my experience, commercial loan renewals tend to be automatic.

They've changed formats a bit, to one that is a free happy hour and I've not been to that. 

Here’s how to find a broker you can trust:Ask for Referrals: Reach out to fellow investors or real estate agents for recommendations.Check Credentials: Look for brokers who are licensed and members of professional organizations, such as the National Association of Mortgage Brokers (NAMB).Review Their Track Record: Ask about their experience with real estate investment loans and request client testimonials.Interview Multiple Brokers: Prepare questions about their lender network, fees, and typical loan turnaround times.Evaluate Their Communication: Choose someone who listens to your needs and provides clear, honest advice.4.

If you ever have any questions regarding this or in general feel free to reach out I enjoy helping and ensuring other BP members avoid lost time and money. 

If you have more questions about the process and requirements, feel free to reach out to me!

Address Your Financial ProfileBridge the Revenue Gap: Highlight your equity in the duplex and use your sale proceeds to demonstrate “skin in the game.”Partner to Compensate Experience: A financially strong and experienced partner can help offset your limited track record.Focus on the Land Deal: Secure the land at a good price, as it’s a crucial step in gaining credibility and attracting partners.Final ThoughtsYou’re entering an exciting and impactful space in real estate development.

I've found options in Costa Rica, but rates are in the 10% range.Does anyone have any experience or guidance on obtaining a mortgage equivalent to purchasing a 2nd home in the US?

Scams will still come your way but you'll build experience and confidence.