. $40-$50k out of pocket, HELOC or private money loan for the remaining $20-$30k 

We all use private investors or NON/QM investors for DSCR but some again charge points and some do not because they UW the file (Mini-C).Most Bankers typically offer rate closer to PAR or less margin built into the rate.

I'm sure people would pay extra for some kind of "meal prep/private chef" type package in their living situation.You've got the right idea thought, but don't be afraid to reach...nothing wrong with dropping your price after a couple weeks if you don't get any interest.  

Short term it is difficult to make the numbers work, the cost of new construction and the time it takes to zone-plan-build are usually the main reasons why private investors stay clear.

For example, a private hot tub or pool can command a premium in most markets, which directly impacts ROI.Cost vs.

We use it for private lending.

pretty small hurdle to have a good win as a private lender just get paid as agreed.now equity participation loans those can spin the needle pretty well ..

I’m really hoping the new administration can get Freddie and Fannie privatized.

DSCR recently came popular in the loan brokerage and private credit space with the rise of STRs and MTRs.Your local bank lenders will have the best rates typically.  

Coos Bay - The main delay with application in this area is whether the property is on public utilities or has a septic system and private or public water source.