Let me know how I can help! 

However, if you’re committed to a specific suburban area, working closely with a local agent who knows the market well could be invaluable.Working with an Agent: Starting with a knowledgeable agent in your chosen market can definitely help streamline your efforts and prevent that analysis paralysis.

Many loan options offered float the rate until closer to closing, so that could be a nice way to hedge against any rate drops during your refinance.I hope that helps! 

There are many more reasons why you may be having difficulties, your input from here will help us better answer your question.

I want to help my son and his fiance get a mortgage but we would need to co-sign.

And lower rates won't fix that.Prices going up help that a bit because then the premium to buy a new construction home and pre-existing home isn't as great. 

Thanks for the help!

It can provide immediate reserves, and the properties’ income may help qualify for the loan.

If you demonstrate a good track record, securing future funding becomes easier.If you're considering this route, structuring your deals with private lenders could help you secure financing quickly and move forward with more projects.

Tips on other types of lists and how to market to homeowners would be helpful also.