Assuming current interest rates my debt service would be around $87k/year (30 year, 7%)  which I am comfortable with.

Im not talking about loan product knowledge or non QM programs, I mean above and beyond all that? 

Hi Everyone,I'm currently on the lookout for reliable wholesalers that service the Southern California region, specifically Los Angeles County, Orange County, Riverside County, and San Bernardino County.

Others use non bank lenders for DSCR or other types of loans.

.- Your options are to either wait out the 12-month waiting period and refinance into an investment property loan using a conventional loan or look for a non-conventional loan.

Good afternoon everyone, I am looking to purchase non-conforming multifamily in the Essex County, NJ with a 5% owner-occupied down payment.

Specialized Real Estate Services: Some banks offer services specifically tailored to the needs of real estate investors, such as tenant rent collection accounts, escrow management, or property management software integration.

Gardening services? 

It really depends on your market, time of year, peak vs non peak, holiday or special event etc.I only use 2 day min during offseason or for orphaned days.

It's not my place to tell anyone how much risk to take, but non load bearing walls by a good licensed contractor isn't something I'd worry about too much.