The sellers reconsidered my offer and I am finally under contract for my first side by side duplex house hack here in Liverpool Ny!!!

Yes, after Portugal's success with its own golden visa, Greece is finally getting its act together.

If the loan amount exceeds $1M, then rates are in the high 6's to mid 7's. 

I'm sure that is true, because most mortgage companies aren't going to go searching for issues when there aren't problems - but in the truest sense of the word this is loan fraud and I'm just not up for it in my portfolio.I did hear from a friend of a friend type that she was able to close a subto with a small local bank somewhere in Georgia (property was also located there) because of a long standing relationship with the bank. 

@James Trobaugh in either situation, you could use an FHA loan.

Technically, not all lender would approve a DSCR loan for someone who has not owned their primary but there are some lenders who do lend to FTHB a DSCR loan.

I finally got them to open a ticket and push it through, only to get an email the next day saying they couldn't find a vendor and that I'm welcome to take care of it myself. 

You can get a second mortgage to go with the assumable loan.

We're currently saving up enough for a 20% down for a conventional loan to bypass having to pay for PMI and MIP, as these 2 additional monthly expenses are a "make it or break it", in finding a cash flowing property in California.I would love to know what your story was like when you first started your real estate investing journey!

This will be the first loan for me.