@Augusta Owens here's some copy & paste info you won't find in a book:)-----------------------------------------------------------------------------------------------------Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

I am grateful that you shared this, because I do think a lot of these gurus, while generally having good intentions, are typically very naive and lack experience to truly teach anything.  

Purley asset-based lenders are most likely going to be hard money lenders whose rates are typically going to be much higher.

That being said real estate investing is typically a long game and with just 2 years under your belt you’ve just started.

We typically alter our strategy seasonally, as demand shifts with the seasons.

I wanted your typical 3 bedroom house (not necessarily 2 bath) which cash flows.

We all use private investors or NON/QM investors for DSCR but some again charge points and some do not because they UW the file (Mini-C).Most Bankers typically offer rate closer to PAR or less margin built into the rate.

I would echo @Brandon Croucier - the secondary market for DSCR's is super aggressive and rates typically reflect that.

We saw huge appreciation in the 2018-2022 inflation run up, but that has significantly slowed these days in my opinion.From a rental perspective your monthly income per unit after all expenses with a typical 20% down payment is likely $100-300 when you find a property that will cash flow.

Companies typically last only ten years on average.