I have seen REI Hub recommended on here, but I am unsure of their ability to work with local banks, so if anyone has any experience they can speak of that would be greatly appreciated.  

Thank you  you can only use your equity if you have the ability to pay it back.

You might find a local credit union or community bank that will go to 95 -100%.At one point I called 2 different VA Regional Loan Centers regarding this section in the VA lenders handbook:Assumability - The second mortgage should not restrict theVeteran’s ability to sell the property any more thanthe VA first mortgage.

And I feel the ideal portfolio can benefit from the diversification of both.I feel directly owned properties are great because they give me maximum control and the ability to tweak them exactly how I want.

Cashflow and the ability to use the property.

As others noted, there is no limit to DSCR funding other than your ability to produce enough liquidity for down payments, closing costs, and the required reserves post-closing.

The Chicago Association of Realtors'® specifically state "When you become a Dual Agent, you owe equal fiduciary duties at that point to both parties in the transaction, and you lose the ability to negotiate for, strategize and advise either one."

When I pointed that out, they suggested I instead setup my credit card as a vendor, and enter each charge as a bill, which would then fix the assets and liabilities issue.  

In general, multifamily properties are a popular choice for investors because they offer the potential for cash flow, scalability, and the ability to amortize debt across multiple units.

The ability to get funding in just a few days can make a world of difference, allowing investors to act quickly and lock in the best opportunities.I’m curious, in your experience, what strategies have you found most effective for building strong relationships with reliable direct lenders?