Prep that if gonna be in London public rest rooms on every corner is not a thing, so empty that "tank" before head out. 

Best bet is to try local and credit unions, possibly may have some programs for better rates.

Hi Ofir,I personally like AL (Huntsville, Tuscaloosa) and I'd say OH markets are also popular.Also there are programs out there that can do higher LTV with no FICO.

Where to start, choosing an agent, DSCRL alternatives or similar programs, etc.Thanks KamalDo you live in Puerto Rico?

@David OhCreating a profit-sharing program is a great way to align employee goals with the company’s success, but it’s crucial to design it carefully.

As for non-bank loans, I'm familiar with a loan program that provides 100% financing, but it requires a minimum 650 credit score and proof of funds covering 12 months of interest.

The program has been great for my own STR investments and my co-hosting business.

@Carl Rowles as a public school teacher you may have a 403b which also sometimes offers loans!

Long term $ can range from 6's-10% range depending on all types of factors - LTV, location, unit count, debt coverage, borrower strength, full doc or lite doc programs, etc..

This lender has a floor rate of 6.75% on this program (.5% discount points added to get 6.75%)Same lender can do 6.19% with 3 discount points on their other program (plus broker fee on top) if you do want a low 6% rate.