As a rental strategy for non owner occupants, it absolutely is a fantastic way to generate the highest return, that's true.....but also, and most importantly, your screening has to be on point, and without that, it won't be as effective because one bad roommate can ruin the environment for the other roommate tenants. 

If the costs for home buying goes up for first time home buyers then the results will probably be that less starter homes will be moving in the market unless non profits and the sort step up.

You’re paying $70k in “non-deductible” interest in exchange for less deductible interest. 

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.

The goal is to ensure that the property remains viable even if circumstances change, like dealing with a non-paying tenant or a market downturn.

Thankfully I have no property in NY.I loved this quote which shows just how clueless people are about housing issues:“Housing instability is at the root of so many problems facing our city, such as exacerbating homelessness and hunger, failing to meet our children’s educational needs, and undermining public safety,” said the CWTU in a statement.

If you did, you could take advantage of some unique strategies, like renting it out while traveling (as long as it’s for 14 days or less) and having that rental income be completely non-taxable.

Aloha is the only name that shows up in the public record as owner of the loan.Wrt whole notes, ownership of the note and mortgage/DOT is transferred to the investor via an assignment and allonge.I agree w/ @Jay Hinrichs, a 100% secured interest in the loan is safest.I haven't invested with them yet, still considering.

Also many other Counties in non-covered States also include it. 

Having said that, we also have many clients we use our systems and processes for crypto funds, buying existing businesses, funding startups, hedge funds, venture capital, and even non-profits.