I would not want to be 60, 70, or 80 dealing with tenants, if I can help it.For me, I go with those metrics and it often leads to short/medium term financing, amortized for 30, and often I/O.

I will also mention that their initial terms are a 5 year ballon with the first 2 years being I/O. 

It’s been established we can’t compare everyone’s answers apples to apples.

DSCR, 3yr PPP, 750 credit, 65% LTV Cash Out: 7.874% (no points), 7.624% (1 point), 7.374% (2 points).IO Options are usually 1/8th higher in rate. 

It's apples to oranges, not a great comparison. 

This being said, you'll get the bad apples, as you'd get anywhere else.

Oh and Jon I would not get an PITI on an investment flip I would go with a 5 year IO with no pre-pay!

Last time I checked, their pricing (for the large 2-sided full-color PC) was still pretty competitive:Postcard printing .14 (for 7 DAY turnaround)Processing for mailing .07 ($175 fee divided by 2,500 pieces)Standard postage .28-------------------------------------------------------------------.49 per piece total (Does not include mailing list)So, that's comparing old-school static printing to the new-tech variable printing (apples to oranges comparison), but you get the idea.P.S.

Great Thank you Mark for your asnwer, very helpful.I am looking as something a little more " done deal" thank an option to by as from what io understand the seller can still sell to other parties. is there a close that stops that?

You can go up to 75% cash out and use a DSCR which will off several terms including I/O Interest only which helps keep the payment low while you take out the cash and pay it down or off.