@Brandon Croucier is giving you solid info on finding an experienced and honest mortgage broker who can shop your exact scenario both ways, with the rehab and without and break down the benefits of each with all fees so you can see an apples to apples comparison. 

People who are serious about getting into real estate as more than just a hobby will gladly pay for another's time when needed - even if it means just going out for lunch/dinner/drinks and they pick up the tab while we talk shop.

An example of one package we have is a Romantic Package - $199. 12 Balloons (buy the helium tanks and keep balloons on site for your team or use a local shop)Rose Petal Entry Way (bought off Amazon)2 Dozen Roses (local grocery store for $10-15 each dozen)Led Candle Display (bought off amazon and reusable)I Heart U Signs (amazon and reusable)Champagne (or wine if they want)This equals around $60-70 each time and we pay our cleaner $40 to set up.

It was outrageous for what they went up to but nothing a little shopping around couldn’t fix.

I shopped across 15 different institutions for my personal HELOC and they seemed to have the best terms out there.

You can shop 10 or 20 lenders in a weeks time, find out what products they offer, what rates, what overlays and qualifications they each have for you.... 

But the investing landscape has changed and I think in 2025 it is even more difficult to "buy" RE cashflow, that's why I am suggesting to buy or build a business, even if it's just a couple grand from a TikTok shop.. that's equivalent to 10 doors

If your working with this company and this company only and think that they are going to get you to the finish line to get the title in your name, well I’d say you’d have a better chance at winning the lotto.What some don’t know is they are not a one stop shop, the more you get dragged along the more money PreReo makes, again they are basically a wholesaler, the longer it takes you to obtain it the longer you pay them.

2) Your credit score3) Purchase price and down payment amountI would recommend shopping rates with a few local mortgage brokers.

Sell the home to whoever your target tenant will be - modern, sleek, urban, renovated, bright/spacious; then sell the location - not whether they have a bank account or need a 7/11 - just that it is located to 'dining, entertainment, shopping, more.'