Based on your assessment, it feels like the only way for you to buy something now is to make a compromise that you don't want to make or to get out over your skis a bit more than you'd like. 20 years from now, it won't make much of a difference whether you bought something today or two years from now. 

See family, and do some skiing!

Quote from @Sean O'Keefe: Quote from @Tom Gorrell: We have 3 rentals in CA and one in Kentucky (total value about 2.5 M)some W2 incomesome pension incomesome syndication income and some from a business (s corp) Based on what you say, it feels like $3k - $4k but would need more info on how frequently you meet with CPA outside of Jan - Apr when you are filing and if this includes tax strategy. 

Is there a pre-payment penalty?

Even with very little cash on hand, you can get creative financing; for example, I did my first flip renovation with a new business Credit card one year with 0.00% APR, paid everything back after the sale, and got points and signup bonuses.

Hi Rich,Most DSCR loan programs are available without a pre-payment penalty.

I just don't want to be stuck with a high APR or MIP later down the line.

Basically a pre-nup agreement.

Hello there community, in the recent days I have been teasing the idea of house hacking if I decide to move in the future  in SLC ( love skiing and the nature). 

If they aren't charging a pre-disclosed & agreed upon Markup - they are probably hiding something to make money for their time.Good luck!