I can't say when that will be but 4.125 is quite a lot depending on the rate you get.I personally want a hassle free funding experience and the lower rate.

I have some experience here, and my answer will be it depends. 

It just depends.

There is a lot of variability in this answer and, like all things in real estate, it simply depends. 

HELOCs on rentals are rare, and depends on where you are located.

Most PM's here charge 15-20%, most are 20, but will depend on what services they offer.

The choice between JVs and syndication depends on personal aims and interests.

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 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

I think they used to go up to like 80-85% CLTV depending on credit score.

Depending on the price point, they may already be running targeted ads in cities/metros for buyers that may be looking for a second home/vacation home.