.------------------------------------• 0-6 Months (Delayed Purchase, no Rehab completed) - up to 80% of purchase price• 6+ Months (Cash-Out Refinance, no Rehab completed) - up to 75% of appraised value• 0-3 Months (Cash-out refi, Rehab completed) - 75% of appraised value [good rates]• 3-6 Months (Cash-out refi, Rehab completed) - 75% of appraised value [best rates]

You are just effectively paying you Canadian tax rates.  

Are there lenders that will lend on the product at competitive rates that are similar to current 30 yr sfh amortization?

Water in Los Angeles is expensive and the rates go up if there is an ADU. 

It can be a simple one page contract b/w you too at an agreed upon rate.

new construction homes everywhere. many people waiting on the fence. once the rates drop its going to get crazy again.

Then you can do a 1031 exchange or sell it at a lower tax rate. 

Face the fear--get yourself in front of more sellers.Little by little, your presentations will become more comfortable, and your success rate will increase.  

Rates and fees are higher though.

The headache of playing peacemaker between 3-5 unrelated tenants doesn't sound worth the premium management fee; not to mention rent by room generally brings in lower quality tenants which require significant more management.With that said, higher rates are pushing investors toward rent by room simply because it's the only option for cash flow (at least in Denver) which is why I have so many folks reaching out.If you currently have rent by room investments or perhaps you're a PM currently offering rent by room, I'd love to hear your feedback and any advice you may have.