Something is definitely extremely fishy going on with this Eric Spofford dude.

Any competitive DSCR program is going to be in the 90-day seasoning range for allowing a refinance based on the newly appraised value.Your 9-month seasoning should not be an issue, barring an extremely unique situation (like inheriting a property or having it gifted to you).------------------------------------• 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]

For the few that understand this niche it can be extremely lucrative.Takes less money, less time and hassle, and there’s little competition.

Due to the extreme volatility of crypto and potentially high transaction costs, you need to be real careful with harvesting crypto losses.Pick tax-efficient investments.

The most extreme example was when I purchased a 60% ownership interest in a $450,000 property for $10,000, that had to close the next day.

I would also tell you to be extremely careful when doing contracts with builders. 

I'm just suggesting you be well informed:I loved reading Robert Kiyosaki's "Rich Dad Poor Dad"... it was extremely informative and eye opening... albeit told in a bit of a crazy way.  

For example, if you have no experience in land development - that is extremely complex and risky compared to owning NNN rentals. 

If you can buy something habitable, and rehab it over time while you live there, that could be a home run of an investment when you look at your return on investment, especially if you house hack.Sure you may leave cash in the deal, but if you buy right, it could still be an extremely profitable and low-barrier to entry way to get into real estate.

.: EM doesn’t seem extremely low, just kinda low.