Have to ensure that with taxes and insurance added you can meet the DSCR ratio needed but you should be able to refinance out of this one.

I'll be happy to meet and talk with you and explore opportunities to help you achieve your goals.

You can have as many DSCR loans as you like as long as you meet the requirements for the product, there is no ceiling to your growth.

Our logical process:1) Use Neighborhood rankings to narrow down area of city you want to invest in2) Focus on getting to know that Neighborhood(s), so you know the good & bad streets, block-by-block.3) Be patient to acquire properties on good streets that meet your buying criteria.Our rankings are done with a "bell curve" approach.

It's a new resource from BiggerPockets that helps you find reliable property management partnerships and gives you everything you need to make confident hiring decisions:-Expert Matching: Match with professionals who meet your criteria-Extra Assurance: See licenses, experience, ratings, reviews, and more that can be cross-checked with BiggerPockets members-Bonus Content: Plus they'll send you an interactive workbook: “How to Interview Property Management Companies”Hope this helps!

If you're not having any luck with mortgage brokers (I'd search out the ones who specialize in investments), then go to your local REI meeting. 

I am 20 years old and for the last 5 months I have been learning hard money lending and I am diving into the real estate community to meet new people and learn.

@James Hwang what’s the link to your Skool meeting?

Would be great to reconfigure the lot lines on the two additional parcels so they'd both meet the minimum to build.

Even if the HOA currently allows rentals, it’s worth attending HOA meetings or reviewing their amendment history.