I’ve been working with several lenders for DSCR loans, but I’ve found that the fees are quite high, with minimal benefit in terms of lowering my current interest rate.

At this time I'm focusing on researching markets in the midwest (Indianapolis, IN; OH) due to the lower property costs.

I really wanted to try finding a duplex that i could immediately rent out the lower half rather then buy a SFH and have a higher mortgage overallHow did you find this deal and how did you negotiate it?

As sellers realize that buyers cannot pay the same price for the same income stream as before due to the higher rates dampening overall buyer returns over that 6-month market cycle, sellers will eventually transact at lower prices, making it more apparent to sellers where the current market pricing is.

A HELOC offers flexibility and lower interest rates, which can be ideal if you’re looking for short-term financing with lower payments during construction.

Potentially lower down needed of 15% with better rate and 6% cap in IPC’s

There a handful that can do lower  than 620 at 50% LTV, however the rate will be very high My current score is around 670-680.

Get a nice downpayment (lower LTV better)Hope this helps

Class A properties will generally have high valuations and lower market Cap Rates.Class B Property:A step down from Class A, Class B properties are in the 10 to 20 year-old range, and are mostly well maintained.

However, I made the decision when interest rate was lower and there was support for an appreciating real estate market.