They tend to be more flexible than institutional lenders and may lend based on the equity in your property or its ARV, rather than focusing on your income or DTI.If you have any connections with investors or family/friends who are looking for safe investments, you might be able to pitch the project to them, offering them a higher interest rate than they would get in traditional investments.Advantages:More flexible terms.Negotiable interest rates and payback periods.Considerations:You’ll need to clearly outline the project’s profitability and how you will repay the loan, usually through a refinance or sale after rehab.

Deduct NEW property taxes after you buyDeduct home insurance costsDeduct maintenance percentage, typically 10%Deduct vacancy+tenant nonperformance percentage(we recommend 5% for Class A, 10% Class B, 20% Class C, good luck with Class D)Deduct whatever dollar/percentage of cashflow you wantNow, what you have left over is the amount for debt service.Enter it into a mortgage calculator, with current interest rate for an investment property, to determine your maximum mortgage amount.Divide the mortgage amount by either 75% or 80%, depending on the required down payment percentage - this is your tentative price to offer.If the property needs repairs, you'll want to deduct 110%-120% of the estimated repairs from this amount.Be sure to also research the ARV and make sure it's 10-20% higher than your tentative purchase price.As long as the ARV checks out, this is the purchase price to offer.It is probably significantly below the asking price.

Help Daniel, those areas might cashflow but appreciation will not happen you will need to look at more expensive areas and higher class areas .

The carrier that has less exposure but chooses to be in that market may price their coverage higher because of greater uncertainty/ less predictability. 

Not sure if you plan on pursuing a higher education, but that can be a factor that comes into play as well.

Newer syndications what I see investors do that have tens of millions or higher is they will drop a small amount like 25k or 50k into those deals.

But, currently looking around the Saint Cloud area where I could do room rentals for college students or into the twin cities area, but the property insurance and taxes are a lot higher there. 

Lenders can choose to require a HIGHER score, but they can't allow a lower score if it'll be backed by Fannie/Freddie.

Tankless WH cost has dropped significantly, they tend to last longer and are less prone to leaks but the initial switch might require upgrading the gas line with potential higher installation price tag.

Traditional route could have more exposure to the market and could potentially sell for a higher price, however there's a premium service that needs to be paid to the agents.