And the ONLY people being foreclosed on have to have purchased very recently and have zero equity.

Does any lenders offer these DSCR loan terms?

This is what I found on google?

Software is a common question on BiggerPockets.

Why would they offer you 5% for 20 years?

 Here's How to Make Sure It's Set Up for SuccessToo many real estate investors focus only on acquisition and forget about financial clarity.

Both of our properties have about 100k in equity in them so we were thinking about using getting a HELOC on the duplex rental property and use that money for the down payment on the next property.

I'm squeaking through, but it's putting pressure on me to watch my nickels and dimes.How much should an investor keep in reserves?

If you rely on others you will have to sift through more deals before finding the one.

Congratulations on becoming an agent.