Not finding any great deals yet though and the payment and holding fees wouldn't leave me with much cash leftover.

About agent commission – yeah, the seller might save, but a skilled agent can often score you a lower overall price, even with their cut.

One property is a condo (in CA) that I rent out, and the other property is a house (in NV) that I live in and rent out the other rooms.I quit my W2 job last year to start a business, which is slightly profitable today, but I reinvest everything back into the business.I have a bunch of cash saved up and am comfortable deploying $100K into another property in Las Vegas ($80K down payment + $10K furnishing + $10K margin).The only problem is that I’m not sure how to finance my next house without W2 income.I talked to a few lenders about DSCR loans, and most say they calculate rental income based on the entire house, instead of by the room.I would love to get the creative knowledge of the BP community on how to fund my next home 🙏🏼I'm also open to any lender referrals 😊

If you're difficult to deal with or require extra handling (i.e. pays each month's rent in 2 or 3 payments) there's a $250 upcharge on what the rent increase would be normally.

but there are pre-payment penalties in the first few years that incentivize you not to:https://www.biggerpockets.com/forums/49/topics/1179403-dscr-...here's the thing, though - you generally wouldn't buy with a DSCR loan, rehab, and then refinance again; usually you'd refinance into a DSCR loan, and be done.  

Regardless, she is open to seller financing it over 30 years at 5%, but interesting enough she does not want to have to pay capital gains tax on the payments for this year or the down payment.

What I mean by this is considering how much your down payment returns to your net worth (appreciation, loan paydown, tax benefits, AND rent avoidance).

If you're buying a $550,000 home, at today's rates, your monthly payment is like $3500 or so.

The initial setup is nerve racking as you wait for that first check, but once that initial payment comes in, it is on time.

I already made 12 payments last year8.