It seems to me that they all whether paid of free, will all have the same exact amount of houses because all the transactions are all public and so they seem to compete with each other based on the quality of the data of the houses, how up to date it is, and the user experience in configuring the how the layout is.

They get a higher return since they are covering housing cost, have the $250k per spouse primary residence deduction in gains, is a savings account, higher leverage position, lower interest rate possible, will pay more premium for location, etc.House might be overpriced for REITs but not for home owners.  

Just the different brand name lowers the cost dramatically!

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

By investing in metropolitan areas your yield would be lower (6% to 7%) but you would have a lower vacancy rate.

Housing prices are high, mortgage rates are high, and competition is fierce so revenue is way downIt’s one thing if you bought a while back like many of us did, so your cost basis is much lower.

Recently, management changed it so both loans can be made with one payment versus two separate transactions. 

If the loan amount you are looking for is small relative to the value of the first and the second property combined, they are very well secured on a LTV%; ask for a 1% point lower rate.If you don't want to Cross Collateralize, do you have any CD's or MM you can transfer to this bank as collateral. 

This was my first deal, and house hacking made the most sense because it lowered the threshold for risk in my mind.

Could call the title company or transaction coordinator to validate.