They are asking 950K.Gross rents: 100,800Utilities: 3KInsurance: 7KProperty taxes are roughly 10K for each 450K in value.Repair/Maintenance: Don't have figures yet but I'm assuming it'll average out around 10K a year.The lender I am speaking with also requires me to also include an 8% vacancy rate and a 5% management fee whether I have those or not.With an interest rate of 8.15% and 20 year amortization, I can't get close to a 1.2 DSCR until my amount borrowed is down to about 450K. 

I want to start out in househacking a duplex or a triplex but I am concerned with the interest rates on such a big investment for my first property.

Current payment on it is around 900 with about a 4% interest rate. 

I found a house in coddo mills that is around 300K and I need to pay $300 every month from my pocket after renting out that house due to current high interest rates (25% down payment). 

If my state law allows, I am attaching to the liability attorney's fees and compensation for all of the time and expense incurred in resolving this issue.

Active Income: Profits from fix & flips are considered active income, subject to ordinary income tax rates, unless structured through a business entity.4.

This article says 5.5-6%.  What do you all think of this???https://www.northmarq.com/insights/research/los-angeles-4q23...

And the above examples I don't think are good analogies - renting a crane and using it for other productive work is not the same thing as renting something and just pocketing the middle man fee.

Speaking of objectives, you will likely notice that their rates used to be much higher (I saw a lot of older posts with 9-11% rates being pretty standard) than they are now. 

I'd say just do your research on the community that you are going to buy in to make sure STR's are allowed and to find out all of the fees.