House hacking a 2-4 unit property with FHA (3.5% down) or Conventional (5% down) can be a smart way to start, while DSCR loans or partnerships can help if you need alternative financing.

It’s like you bought the properties with a 30 year loan and are putting the rest in to a savings account.

If you ever need insights on financing options for rental properties, including DSCR loans to scale your portfolio, I’d be happy to help.

If the cosigner is not contributing funds but is just helping secure the loan, whats a fair way to compensate them?

Once you’ve built capital, transition to small multifamily units using DSCR loans for steady cash flow.If you need help analyzing deals or securing funding, let me know.

(DCSR loan?)

I want to be able to do a cash deal to get a lower price and avoid all the cost that go along with a lot loan, fees, points, etc.

If you're using a DSCR loan to purchase the home, most lenders use the lower of the lease agreement or 100% of the market rent from the appraisal form 1007 to determine the DSCR.

Use your W-2 income to qualify for multiple loans now, stack a few properties before quitting your job, and consider BRRRR or DSCR loans later to scale.

You can finance it with an FHA loan (3.5% down) or a conventional loan (5% down) if you plan to live in the property.