You would need a DSCR if you are self employed and don't have 2 yrs of tax of returns or cannot qualify for a conventional loan.

Hi Melanie, depends on 10 yr note, could continue to go up slowly for next 30-40 yrs as it has done between 45-82 or 1890-1920, or down for 30+ yrs like 1920-1945 or 1982 until 4 yrs ago, if they have 25% down and long term fixed rate debt ( just got a 10 yr loan at 6.95%) and Cap rate >150 Bp above debt rate, they should do fine-assuming good local market, even if value drops 20% short term, it will recover longer term and should be ok.

First Republic - CAFremont Bank- CAFrost Bank - TXFulton Bank, PA, NJGFA Federal Credit Union 10 yr draw, 10 yr repay, MA, NHGranite State CU, NH 90-100%Great Lakes Credit Union, Chicago area ILGTE Financial, Tampa, Sarasota area FL w 2 yrs tax history on propertyHanscom FCU, TXHSBC 70%, for premier clients only.

@Josh Randall thanks for asking, I should get a better idea over the coming month, your point about experience, one of them has been in the business for close to 20 yrs, and did very well until the music stopped, the euphoria of the crazy returns got to many, and the game changed from running properties well to flipping properties fast, Asset management wasn't given the attention it deserves because you were in and out before it mattered.

In 20 yrs, I've never given a reason why i declined a rental application.

Now if you don't like long-term data, let's use last 20 yrs only, from JPMorgan Wealth Management Teams in house data, which covers a boom a bust and a boom and a pan-demic, typical for a US 20yr span. which gives us 9.5% nominal (REITS beat SP500 by the way), but the key number is the orange bar, 3.6%, That is what the average wealthy college educated client of theirs dose, hundreds of thousands of clients.

Had it for 20 yrs.

@Ken - I work with a large mortgage company and we do most loans with our own funds ..we do have access to outside lenders and loan programs for the more unique scenarios ...with rates being higher over the past few years - the current challenge is more  because borrowers are not able to qualify  for loan amounts that they could  qualify for easily 1  or 2 yrs  ago

My goal is to continue earning 10% CoC in buildings that will appreciate substantially by the time I retire (~30 yrs from now).Any advice would be immensely appreciated!

Hi, I just had 16,981 pulled from my bank account this weekend the bank told ne it was a judgment against me. I haven't been served, didn't go to court, didn't even know what this was because it was a foreclosed prope...