I’ve not used them (Stessa is working for me) but I’ve read positive things from others using those as a DIY book keeping solution.

Approached the seller asking they pay all closing costs, received enough credits to buy down the interest rate back into the 5-range (current rates were in the 7-range).

and would love to learn more from your experience! 

Obviously this depends on whether Local, Esq. is willing to do it (and whether there is a state-specific bar requirement just for this type of work), but I want an outside perspective first.Thanks,Looking in Baltimore

Sometimes this happens as zoning changes over time but the residential use remains legal.

Quote from @Collin H.: Quote from @Brian Cerezo: I know this question has been asked a lot .

Approached the seller asking they pay all closing costs, received enough credits to buy down the interest rate back into the 5-range (current rates were in the 7-range).

Quote from @Pat Arneson: Yes, sometimes they have a ton on their plate and need to sell some off, and sometimes there is a better spread in their eyes wholesaling the deal verse flipping it.

I've tried conventional and DSCR (I have no landlord experience yet, so that disqualified me from 1 lender).

Everyone loves to say use this app or website, just call the experts directly.