I've made hasty decisions based on my debt ratio challenges.

We're glad you joined us.Find and connect with other BP members that are in your area: https://www.biggerpockets.com/search/usersBest of luck investing!

Been searching around the forums for a few days, and haven't seen anyone from Fairbanks.

Do a keyword search on Toledo in the forums, its been discussed many times.

NY. 5 year draw, IO for 5 yrs and PI for 10 year repayment period.Red Canoe Credit Union, WA ORRegions- yes HELOC but no LOC River Bank & Trust, ALRivermark Credit Union, OR 90% LTVSCCU Florida 80% LTV, 2.75% first year promo, not LLC SECU NC 65% LTV rate 2.75% Oct 2021Signature Federal Credit Union 75% LTV (100% on primary residence), VASilvergate Bank, CASound 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.”

@Bruce C.Every day I have a Craigslist ad that shows up in the first search page. 

Not sure if I should sit back or search for private lending but this is all a first for me.

Based on my equity, creditworthiness, and history with them? 

I'm open to other areas as well, but based on what my realtor friends say about where I live now makes we want to get my foot in the door here. 

My go-to with smaller value properties is a commercial loan, which usually is based on either 15% or 20% down and my favorite lender locally for this is currently between 5%-6% depending on the rate-lock period (between 3-10 years) and the loan is amortized over 20 years.That's my go-to strategy.