Here's a bit more in detail about how rates are calculated for DSCR loans:1.

Vacancy/Turnover is VERY costly, so I price my rentals to meet or exceed my budgeted Vacancy rate. 

And the rates will of course fluctuate over the years.. but if they go up or down then that would apply to all.

Other companies have come in person to do it.Every year, I get new 4-point inspections on ALL of my properties and send to my agent to re-shop my insurance rates. 

Say home improvement and they will send you up to $50k at relatively low rates with no pre-payment penalties and they do not check how you spend the funds.

This has biggest impact on mortgage financing, not fed funds rate. 

I'm okay with a high interest rate up to 15% because I can still breakeven on the mortgage but not sure how to finance this deal without losing my initial payments

The market is flooded with rentals, and the ripple effect is driving higher end properties' rent rates down.

Higher mortgage rates in January 2025 compared to January 2024 may impact buyer demand and affordability.❓ Question: How do you think the current mortgage rates and market trends will influence buyer behavior in the coming months?

We were able to negotiate a buy down on the interest rates.