--Feel free to share your own thoughts and considerations when you're looking for assistance from a PML!

My options are as follows: - Multi-family home with 15% down, 0.5% off rate, and $1,000 towards closing costs. - Single family home in a community reinvestment act, therefore only require 3% down, get 1% of rate, and receive $6,000 towards closing costs. - Two single family homes in a community reinvestment act, therefore only require 3% down, get 1% of rate, and receive $6,000 towards closing costs.In order to receive these extremely low down payments, i would have to technically live in the residence for a few months as they do not offer these for investment properties. 

There are other risks in different markets that will drive insurance costs. 

Please feel free to send his contact .

We are building wonderful houses for great clients that, in this market, soon have fantastic value over the cost to build.

We are seeing a significant uptick in defaulted fix and flip and DSCR loans due to maturity defaults, liquidity issues and rising costs.

Then how much more you do should be determined by what the cost to upgrade things would be versus how much rent you can get if you do them.Separate entrance sounds really expensive depending on your homes' layout.Egress window might cost you too.As for a kitchen, its a small one bedroom in a basement so it isn't like you're going to be getting families renting the place. 

Happy to connect and answer questions, feel free to reach out.

That's if the rental income can carry the cost of the new mortgage.

I don’t think I’d have offered the free months rent.