Hello, my wife is an optometrist and we are looking to use a physician loan to purchase our primary residence.We have some debt that we would like to payoff through a DSCR cashout refinance in am existing investment property I currently own and from there we hope to be in a good place for the doc loan.Our challenge is finding a lender that can handle both the DSCR cashout refi and the doc loan, since coordinating two separate contacts seems to add extra challenges.If you or someone you know can do physician loans (for optometrists) and also DSCRs I would appreciate being in touch.

Quote from @Scott Revey: I don't know who advised you up front, but you should have continued making your payments through closing.

We set up our infrastructure and are very organize and thorough, and through the year we made some significant progress and went on a learning phase to get better each day and closer to our first deal.As foreign investors we have to rely on hard money which gives a less edge, and face uncertainty with contractors not knowing real pricing and such.We are constantly on the look out for new investment opportunities.The problems we are facing right now is not knowing good contractors and the high competition on the MLS.We just started learning more about off market properties and sending direct mail.We would like to hear from your experience what should our next step be as newbie investors, and if there are some foreign investors here with tips.Thank you so much guys, best of luck to all! 

Cash flow is $720, and Cap Rate is 6.2%, and the home value is still growing.

A mortgage broker can help you find lenders who might be open to smaller loans and can guide you through the process.

In Hamilton County, Ohio, the banks will  not speak with you other than through their attorney if there is a foreclosure or their realtor if the home has been recovered by deed in lieu of foreclosure.

Whether it’s through mentorship, case studies, or real-world success stories, seeing how other investors have navigated challenges and succeeded can provide you with invaluable insights.These stories don’t just offer inspiration—they offer real strategies that you can apply to your own journey.

Rent collection and expenses can be managed through a separate business bank account under the LLC, even if mortgage payments remain personal. 

I am looking to invest about $100,000 on a down payment for a long term rental, but running the numbers on a few different property types I just don't see how it currently pencils out to positive cash flow.

To avoid this issue, consider purchasing future properties directly through the LLC.You could also set up a Holding LLC for the properties and a separate Management LLC to handle operations, keeping liability and management activities separate.