Has anyone closed these new 40 year DSCR cash out loans I see advertised as fixed rate options? 

Michael, that's a scary Forum Title at the beginning of a downturn.Australia, China, Canada, California, New York have already droppedand the big banks have recently laid of 100s of high paying mortgage jobs.With interest rates over 5% for most average SFH buyers, are you leveragedfixed at 3-4%?

The issue here is that with investment rates as they are, I'd have to put more down (25% vs 20%) and then I'd be left with a long road to rebuild or repay that downpayment before I could repeat. 

Looking to purchase my first home and was initially going to go the traditional fixed rate mortgage without buying down points with the assumption rates will go down in the next year or 2 and I will just refinance.

And when they cut rates, the demand should increase as people who could afford to wait enter the market to either trade or to stop renting. 

I’d advise you speak to a CPA as well, different trusts bring along potentially different income tax filing results.The maxmimum income tax rates on trusts are also reached far earlier than they would be on a personal income tax return.Generally trusts and LLCs serve different purposes as well (i.e.

With a great 3.25% rate and a real cashflow of close to $400 per month this property pays dividends every month.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

If I apply the 1% rule, the current rental value is below by about $500, however, cap rate is calculated at 6% and CoC at 3%.

Factors such as higher interest rates, taxes, and insurance can significantly impact potential returns for investors.Remember, success in real estate investment often hinges on buying properties at the right price rather than selling them.