Mortgage lending is highly competitive, and there are many newbie loan officers that will bend over backwards to get you to pull a credit report and pay for an appraisal.

Here’s how I’d approach it:For the 9.5% Loan: Refinancing into a DSCR loan makes sense to lock in a lower fixed rate, especially if your goal is stability and better cash flow.For the 7.25% Loan: If the local bank's investment HELOC offers a competitive rate, consider it for flexibility.

However, like any market, success depends on selecting the right neighborhoods and building a solid team on the ground.In Indianapolis, areas like Broad Ripple, Fountain Square, and Irvington have seen strong appreciation and rental demand, but they can be more competitive.

It is solid to look at deals that are off-market and know that the ability to buy it at a price and either hold it or sell it will be coming with less competition on the purchase and more upside.  

Pricelabs for MTR competitive intelligence.

I feel the Milwaukee market is getting more competitive every year.

Vrbo has free price automation and analytical tools to compare the competition and see trends.

You may not get the first property you offer on because if it looks good to you, you will probably have competition so start offering on properties that fit into your personal investment philosophy and meet your minimum financial requirements. 

We cater to us older folk that didn't grow up with all these subscriptions and when they go on vacation they want to press a button and tell the remote what channel they want😄 We have big smart TV's that they love and if inclined can use a subscription, but then they have to figure out how to sign out of them.

Are $300/Square competitive rates for GAF HDZ.