We were able to keep it off our DTI after 12 months by having the mortgage come out of our partners bank account.

I also think it's dangerous to bank on appreciation, but in the valley most neighborhoods are appreciating at rates better than 10% annual. 

Banks and credit unions are having to offer very high cd's etc. to get deposits in the banks.

Banks won’t finance it for Buyers, so seller is accepting cash-offers only.

It seems like loan products for investors have higher interest, so any advice on how get the best rates, ie which banks/lenders?

For those of you that setup a revocable living trust with your spouse/partner for your real estate LLCs and other assets such as bank accounts, did you setup a single revocable trust or separate trusts?

@Brady HerbaughIf you decide to house hack, set up a separate bank account to deposit the rental income and pay rental related expenses.

Check out Bask Bank as one of many examples - FDIC Insured.  

Bank and credit union loans are generally defined as “portfolio lenders,” or lenders that hold the loans on their balance sheets.

I am not a licensed GC but I have experience building spec homes that I could show a bank Fine paying a higher interest rate on the construction period of the loan, but would like to be more in line with traditional mortgages rates on the perm portion (although fine paying slightly higher if I avoid closing costs for a second loan)Do y’all have any recommendations on specific types of loans for this or specific banks I should talk to?