(the same loan you likely used to buy the now rental and your current primary) There is no reason no to use a conventional loan if you qualify because the rate AND terms will be better with a conventional loan then a DSCR. 

After calculating all of the properties, the average cap rate is around 5% and the COC ROI is always negative (I am putting down 25% for a DSCR loan).

This is further confirmation of that, because MM never even adjusted my rates in the first place and now it's impossible to turn off.

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Hope the property value will increase when rates eventually decline.2.

Once you close with CMG you are automatically enrolled in their rate rebound program.

I will most definitely purchase a cost segregation study to nail down what I can depreciate at an accelerated rate.  

Hi, I bought my primary home a few months ago with only 5% down with a great interest rate.

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This is based on a few dozen private lender programs that I utilize for my clients.o Rate buydown ratio: Current norm is a 4:1 ratio, or 1% fee for 0.25% off of rate.