Once you move in, refinancing into a lower-rate owner-occupied loan could be beneficial, but again, your 1099 income history will play a role.Lender-Specific Guidelines – Some lenders might have clauses about intent to occupy, so make sure there’s nothing in your loan docs that could create an issue down the road.

DSCR loans specifically can be pretty FICO score sensitive. 

Hi Chani, These fees seem a bit high to me, specifically the leasing fee, on-boarding fee, Multiple quotes requests, HVAC filter supply, early termination fee, vacant property termination fee, and transfer to another manager fee. 

You looking at anyone specific yet, or still in the research phase?

This must be done within a specific timeframe (before January 31st), usually during the year following the transfer to take full advantage of the exemption.

Basically if you are an investor in Spain specifically in Barcelona or Valencia, I'd love to hear about the strategies you have seen work the best over the last couple years and anything else you can tell me to look out for when investing here. 

Are there specific national or regional agencies that coordinate temporary housing for disaster victims?

So I broke these up specifically based on numbers and property values, trying to avoid anecdotal bias .

It really depends on your specific market.

I don’t have a specific recommendation off the top of my head, but for HOA/condo insurance, it’s usually best to start with a broker who specializes in multifamily or association policies.