It would be a great help if anyone could point me in the right direction here in Birmingham.

The seller is representing themselves so showings must be arranged with them, and offers made to them directly.

Quote from @Chris Brewer: View report*This link comes directly from our calculators, based on information input by the member who posted.Hey @Chris Brewer, welcome to the BP Forum!

Unless the borrower is self employed and takes a lot of expenses to show lower income on their returns then it usually makes sense to pay a couple thousand a year in higher interest (you can pay like 4,000 a year in additional interest for DSCR if you are saving 30+k on your tax bill kind of math lol)

In the past two years we have completed over a dozen flips, We are holding 20 rental units self managed and 2 self managed Air BnBs.

Remember, the notion of amassing wealth without investing is a dangerous myth perpetuated by self-proclaimed experts.

I think one thing that is helpful, is to be more directed in your question and what you're looking for with regard to coaching.

I'm a 20x AirBnb superhost who realized I have more productive uses of my time than hosting directly.

However, if the FHA interest rate is lower, I would still go that route and if rates drop refinance  however keep in mind FHA has PMI for life  Here you go FHA has the self sustaining requirement that requires the three non owner occupied  units to cover the entire PITI which with 3.5% or 5% down is virtually impossible with today's interest rates and price level.

Look at a few of my post to others and if you want some direction or advice from an Old Fart, I'm your guy.