DSCR loans are not that low and regular hard money loans will be in the double digits.

I have lumber liquidators, home Depot, Lowe's, and who knows what else near me (central CT).

Quote from @Bonnie Low: I love seeing your company's growth @Allen Duan!! 

Avoid leading with a low offer or mentioning how long it’s been listed.

It looks like you are right to be concerned about the low season as occupancy drops below 50% for most of the year  

Locally my observation is that the need is more for low income young and working vs college student.

Strong rental markets with low vacancy rates are ideal for long-term holds, while areas with high ARV growth are great for flips.

Keeping it friendly and low intensity is more likely to be successful.I recently offered to completely replace my neighbor's fence next to my rental and they said "No".

Investors & overall market feasted on low rates, you got your stuff together during that time and now are seeing how cycles play out.

Overcoming Common Financing HurdlesMortgage brokers excel at tackling challenges that often derail new investors:Low Down Payments: Brokers can find lenders offering low or no-down-payment loans, ideal for new investors with limited capital.Complex Income Streams: If you’re self-employed or have variable income, brokers can identify lenders that accept alternative documentation.Competitive Rates: Brokers have the leverage to negotiate better rates and fees, saving you thousands over the life of your loan.Pro Tip: Communicate your investment goals clearly with your broker so they can tailor their search to your needs, whether it’s a short-term fix-and-flip loan or a long-term rental property mortgage.3.