@Benjamin Stacey so we utilized a HELOC to get into our first STR deal (different than your situation, but I can relate).

On the flip side, mass transit can help with the car issue and water/sewer upgrades can help with the utility usage.As far as single family versus multifamily, usually multifamily is taxed higher.

Getting your utilization down on your credit cards and heloc will improve your score and should be your priority.To answer your original question, the questions to ask are about prepayment penalties and points for DSCR loans.

Would love to learn about how you are utilizing your team to get the most out of them. 

That is the customer and who pays, it doesn't matter who owns the home then or now.

These include falsely claiming to have closed dozens of deals when none were ever closed, illegal payment of undisclosed sales commissions to bundlers and independent contractors, advertising the funds as safe and appropriate to investors with obvious near-term needs for their capital, creating fund of funds en masse assembly line fashion with no corresponding SEC filings, unregistered brokers/financial advisors acting in that capacity absent licensure, having customers wire money claim the fund is fully subscribed and putting them into a high yield promissory note, accepting funds from unaccredited investors, misrepresentations about the debt put on the project, lies about experience level of the principals, omissions of material facts, and at least two straight up Ponzi schemes.While it's true that some legitimate operators are having issues in their portfolios, today's circumstances are a perfect example of the idiom, "you can only discover who is swimming naked when the tide goes out."

If this can make people more intentional with their questions, they will get much farther, much quicker.Correct, in the beginning its hard for some and also they do need to utilize the search button!!

Try to have cards with high credit limits and try to keep the utilization down on them. 

I recently sold a property, but I still receive notices for paying property taxes and utilities.

It seems to depend on the utility provider.