that we’ve learned in our 24 years, managing almost 700 doors across the Metro Detroit area, including almost 100 S8 leases:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

The last 3 clients I worked with all ended up with Chase.  

I think another factor here in determining whether its a good investment is your age and your goals. 

With your equity and experience, you could find solid 10-40 unit buildings that align with your goals.

My goal is to hold on to this property for the long haul.

Lenders are open to doing business with a new investor if:The deal is the right deal:  Not to expensive, accurate numbers, strong ARV, good market....And...Borrower has good credit and ample cash to close.I've lined up financing for about 10 new investors last year. 

I love all this last minute BS they are pulling.

Quote from @Greg Loberg: I have been a lender on many notes through Safeguard Capital Partners over the last 5+ years. 

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

One insurance claim and it will pay for all the premium you paid in last 10 years most likely.