:Duplex is listed for 515,000“The 4.25% is a 10/6 arm, conventional loan, Fannie/Freddie product, amortized over 30 years.

Originally posted by @Chimpo Takasaki:Another product im not a FAN of-  Whole LIFE insurance policies? 

This only means, learn a lot more and make a lot more connections before even thinking about it or you will get caught in a non-productive funnel that doesn't work.You should be looking OOS for a place you have a competitive advantage.

Hi everyone, I've posted on here a few times trying to find the right lending product and lender but haven't had much luck over the last few months.

@Basit SiddiqiAgree for example would you rather have 13% net but deal levered 75% or a deal no levered at 8% net.On a 100k investment I would take the 8% deal every day as I will gladly pay an extra $5,000 to reduce my risk substantially since in option 1 the deal can go to zero in option 2 realistically it would be really poor management if it lost more than 10-15% of your capital.

The rate that you buy down to is your rate for the entirety of your 30-year fixed loan - it is not a stepdown like you might see on some conventional loan products.

A true DSCR product doesn’t care about your personal debt. 

note the San Diego cash flow is bad now, but it has been poor for many years.  

It’s often said in tech that if a product is free, you might be the product.

If you plan to operate this product, you still need to have cash to bring to the table as well as enough liquidity for rehabbing (you can get reimbursed through draws, but you start out using your own liquid).