This collaboration underscores the importance of strong partnerships and local insights in identifying and negotiating profitable real estate opportunities.

Based on what I have read, I would never consider investing in Indianapolis.

I'm based in Illinois, but I'm also looking to try to invest out of state.

All businesses are relationship based where you position yourself as a problem solver for your target client's problems.

The same lender said if they could come up with the other 5% they can go 30 year fixed interest only..This is more attractive for cash flow on a higher loan balance but will still be qualified based on the fully amortized rate and payment. 

Assign weights to each criterion based on its importance to you, such as job growth being more critical than seasonal issues.

@Wayne Kennoff- thanks   1) getting a personal referral is a good place to start 2) if you have narrowed down the options to a few -  contact both on the same  days and ask them for whatever  quotes  for your scenario ...ask for a loan cost worksheet  if  possible .  ...if their pricing ends up being  the same - make a decsion based on the  feel  for  cutoner  service you get when communicating with them.   3)  make sure they  disclose all the fees  related to the  refinance  ( not just their  own fees ) ..4)  reviews are   hard to  use to make a decision ( as you found out ) 5) rates are pretty high right now for rental  properties ....if you can wait to  refinance - you might consider doing so ...if you need to refinance - so be it ...Good luck 

@Tim @Tim Ryan Yes, Rental demand is strong and rent rate is currently under the market avg.

I know there are lots of web based tools, but those are pretty hard wired. 

Some states have source of income protections that would not allow you to decline an applicant solely based off of their participation in section 8.