I’ve been working with several lenders for DSCR loans, but I’ve found that the fees are quite high, with minimal benefit in terms of lowering my current interest rate.

Unlike banks, which offer limited loan options, brokers have access to a wide network of lenders, including niche and non-traditional financing sources.Here’s what they do:Assess your financial situation to determine your borrowing power.Compare multiple loan products to find the most favorable terms.Negotiate rates and terms with lenders on your behalf.Guide you through the application process, ensuring you meet all requirements.Example: Suppose you have a lower credit score or unconventional income sources.

Will you get a lower rate waiting? 

There are several out there that I am aware of that are taxed at rates which are currently lower than ordinary income rates. 

Mean while i would be building equity, and if rates do lower, or when the term ends, could refi for better rates and then maybe cash flow.My questions are:Is this too naively optimistic?

And this interest rate spread, say between 4.5 and 7.5, is of such impact that at 4.5 we can afford to over-pay on purchase price a bit vs market price AND we still come out ahead with significantly lower monthly servicing payments than we would have had a 7.5 and a lower price. 

Well that is when the lower tenant feels like paying her 20% portion of the rent of $240 per month lol!

There are significant advantages to investing here (lower barrier to entry, much better price to rent ratio's, etc. etc.).

(and I would definitely support paying the $149 for listing on FF)Beyond FF, Airbnb and ALE, it's going to take time and leg work, and which platform will depend on your market.

that we’ve learned in our 24 years, managing almost 700 doors across the Metro Detroit area, including almost 100 S8 leases:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.