@Wesley Wells Delta Title Company, or Ciff Darnell

You are correct; lenders generally put 1-4 unit and 5+ unit residential investment properties into different buckets.As others have said, a 25% downpayment is more likely in line with current market conditions.You can speak with some hard money lenders, but expect for there to be about a 4%+ cost delta (pay about 4%+ more than using a traditional capital source, such as a local bank).

You can see there is a big delta between mortgages number 2 and 3.  

The difference or delta that left is the amount you need to cover to achieve your goals of retirement.Equity in a home may contribute to your net worth, but is not doing anything to help with cash flow needs.Hope this helps.

For me, a delta of ~one month is not critical.

@Trevor KnorppPlease note this is the delta from current rates - so in some instances it may go up or down but some are saying someone with lower credit score gets a better rate is false

Some pros and cons that I see is that if I rent it furnished naturally I should be able to charge more for rent (trying to figure out the delta compared to unfurnished.)

Kenowa School district branches into the neighborhood just west of the Delta-Plex.

Delta Associates, an authority on the local commercial real estate market, released the findings in its 2020 second quarter report, concluding: “The pandemic has impacted all major apartment market metrics.”In short, all those glassy, luxury buildings that have risen around the city in recent years have become emptier and less expensive since Covid-19 hit.

. - you only pay the delta to the CRA.