Oakland has some ambitious plans to improve the city, and as rate improves, I firmly believe certain parts of Oakland will recover faster than others.

If you can afford a higher payment, a 15-year mortgage saves on interest over time.For the down payment, aim for at least 5%, but if you can put down 10-20%, you'll avoid PMI and could get a better rate.

Although there are advantages to waiting too, such as if interest rates continue to drop.

refied with Mike Tavani and Krista Oslar are Guaranteed rate.

DSCR recently came popular in the loan brokerage and private credit space with the rise of STRs and MTRs.Your local bank lenders will have the best rates typically.  

Keep a close eye on interest rates and cash flow projections to ensure these strategies align with your financing plan.

The rate will be higher, but if conventional financing and traditional DSCR financing is not working out, this option is available. 

Hire a college students/or architect from other countries who can do 3d rendering at a very affordable rate (I pay $200 for 4 first time super realistic 3D renderings of the exterior, repeats are even cheaper) and do a number of elevation studies before you down select your exterior paint and finishes.  

For Non-Admitted carriers, the important item to then pay attention to is the AM Best rating (or equivalent rating agency).

Forth, what is your interest rate?