I’m sure audit rate on this has to be astronomical and just need good records?  

So if they pay more it is not that they pay over market rate.

So the point of this is that what often occurs is that in the year that you close on your purchase you start out at the seller's old property tax rate.  

You also mention the low fee of $50 / month for HOA fees and though it may look very cheap on the surface, you have no idea how the communities financials have performed over the last few years and you may have HOA fee increases annually.

It is tough to "perfect BRRRR" here with consistency or anywhere for that matter with today's rate and insurance costs.

The challenges include - Interest rates - that are as high as they have been in 20 years; property values - which have doubled and tripled in the past 3-5 years.  

-will I be able to keep my interest rates?

They mentioned that the rate will be higher if locked for 5-6 months.

And you can get it really cheap in Hades

I could only get 1 DSCR lender to do 1 of my SF properties due to the low ARV, the fees and interest rate are absolutely not worth it.Are you bundling properties together when refinancing?