Typically, higher income areas have lower crime, more amenities, better schools.  

Spreads between conventional loans are typically 100-150 bps of the loan amount.

After reviewing your application, we’ve determined that, unfortunately, we are unable to move forward with your application at this time, as it does not meet our established criteria for income and (other established criteria) We appreciate the time you took to apply and wish you the best of luck in your continued search for a home. 

Just curious, what is a typical LTV I can draw up to with a HELOC on primary and investment property? 

When you leave, a duplex will typically generate more cash flow as a long term rental than a single family home.

What's a typical down payment for commercial multifamily?

All too typical park owner who took all the profit out of the park without reinvesting in the business then wants to sell you the potential he was too cheap to invest in. 

The more properties they get on their marketplace the more money they make so they are basically a glorified MLS because they are marketing themself at a discount to the typical real estate transaction.

This approach allows you to have a legal presence in the country, which is often necessary for investing there if you don’t live in Spain.Having a virtual office in Spain through your LLC could help you access local tax benefits and deductions, such as expenses for mortgage interest, repairs, and insurance, which non-residents typically cannot claim.It’s worth consulting with a tax or legal advisor familiar with both the US and Spanish systems to ensure compliance and take full advantage of this option.

I accept the need for a competent PM and the reality that competence typically ain't cheap.