Lower risk of wrong product.    9.

Happy to chat...being a local GC takes out a lot of the risk of the biggest variable for most investors (unpredictable rehab costs) and also allows you to consider more options than the average investor, with your rehab costs being significantly lower.

You also need to consider that at a lower percentage of money down you will be paying a Mortgage Insurance Premium or MIP. 

I see this home and what you paid and while it's not at all a bad price, I've seen investors offering that size in Palm Bay for as much as $15-25k lower.

Benefit of waiting is lower mortgage payments and lower debt.

I’ve been working with several lenders for DSCR loans, but I’ve found that the fees are quite high, with minimal benefit in terms of lowering my current interest rate.

To transition to multi-family properties, research landlord-friendly states like Texas, Florida, Tennessee, and Indiana with favorable eviction laws, lower taxes, and higher rental demand.

There a handful that can do lower  than 620 at 50% LTV, however the rate will be very high My current score is around 670-680.

Getting the lower unit separately metered seems like a pain.

Even in a lower priced investment property, like a small SFR, what does the investor without a contingency fund do when say the ac or a furnace need replacement?