Quote from @Aarati Shrestha: Rents are currently 30% - 50% cheaper than mortgages in the USA.

I've got 2 there currently. 

I currently own multiple rental properties in both CA and TN.

What tax bracket are you currently in and what bracket do you expect to be in this year with/without the 401k distributions and what bracket to you expect to be in next year.3. 

I currently own 4 doors here!

Merchants Bank MN See Pavel UshakovPenFed - max 3 other properties, 89% LTV Regions- yes HELOC but no LOC SCCU Florida 70% LTV, 6.25% interest only, not LLC Signature Federal Credit Union 75% LTVSound CU "non-owner occupied HELOC, capped at $150K and interest rates are prime + 2%, 3% or 4%, based on credit, not to exceed 70% ltv.”S&TTCF BankTD Bank TIAA Direct was EverBank Tower FCU, all states except TX, max 45 DTI, green card ok.

Hi James, Your best bet is to search Google or BiggerPockets for hard money lenders in your area.However, you can also contact private money lenders directly and shop around for the best price yourself. 

Done a couple of flips, currently working on one that I’m considering to brrr it’s a single family 3bdrm 2 bath.and hoping to get a multi unit next. we are very skilled in the construction end (have a hardwood floor business) new to the nuances of rentals especially in New York State .

I'm currently the owner of a couple long term and a couple short term rentals. 

I've done the former and it does make a difference.I don't do the stock market (well not directly, I have stuff through my bank).