Investors often think that blanket loans will be cheaper but in fact there would be very little if any savings from a closing costs standpoint, and the terms of the loan would make it much more expensive overall. 

If it takes 5+ years to break even, before you actually start saving, is that worth it to you? 

After the sale of the company, we have:9-15 months of personal expenses in savings to live off ofStart with $100k cash and do micro flips to avoid the risk of a hard money lender and losing our tail if something doesn't go right or sell quick enoughOnce the house sells, reinvest all the cash back into the next flip and continue doing this until we are doing multiple flips at a time (he can manage 4 large projects at a time by himself, so we assume up to 4 active flips at a time eventually)Pros of doing this:No longer having to manage W2 employees/operations (this used to be my role but now that we have kids I want to stay home, not do this)Getting a larger chunk of cash to start flipping quicker vs waiting 1+ years to save enough cash for the first flipUsing cash reduces our risk of losing money with a hard money lender if the project takes longer to sell, rehab, etc.

Why do you think people still invest into the Roth IRAs or retirement accounts?

Saving, buying, and investing are pretty difficult on a teacher's salary, so I'm hoping to learn from the wealth of knowledge here.

I have a few properties that have increased 30% in the last year), and of course the tax savings + the debt paydown from the federal government or tenant.Overall returns are insane: I'm a buy & hold investor.

I didn't add all the extras, but I added the ones that I thought were useful and would save me time. 

“They’re getting better,” Torres assured her.Until they had more money saved up, the hotel across the highway would have to do.

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).

An additional benefit of a detailed engineering-based Cost Segregation Study is that it can increase potential insurance premium savings as well as provide support for the property tax appeals process.