I suggest finding one of them to do it for youMost DSCR loans through brokers have $150,000 floor with some going to as low as $100,000.

Are you looking to submit just a small list, find a skip tracing service that does not have high spend minimums but rather flexible spending option for low or high volume. 

My thought is to use a HELOC for the down payment on a new property (20% down), then once I acquire it, do a cash-out refinance to pay off the HELOC while keeping my original low rate intact.

I certainly know that future years the expenses won't remain that low, but wouldn't that be a reality on a property that has a lot of recent improvements?  

Rates as low as 7.25, depending on credit score and LTV.

Population growth creates increased demand for housing, pushing rents higher.Rapid and Sustained Appreciation: In cities with abundant, low-cost land, new construction is often preferred over existing properties, limiting appreciation potential.

The instruments needed for the transaction will be state specific which means you should have someone from California chime in with resources who can provide low cost documents (as these will be boiler plate).

Cost per lead (CPL) is crucial—it shows how much you're paying to get a potential seller or buyer’s info, and you want this as low as possible without sacrificing quality.

The thing that would deter me from this location is a background rate of appreciation of 3.12% and low school ratings.

1) I think it’s “funny” that not one news article I ever read for the last 5 years had headlines like “Housing at historical record lows!