Note when you buy to owner occupy, there is no vacancy, PM, or turn over costs.  

They have handled multiple properties for us over the years and saved us from a terrible PM in Lubbock. 

I have a Schlage Encode lock on 1 property, using Remotelock and integrated with OwnerRez for code purposes, etc. works great for over a year.just started a new property a month ago.

I had the pleasure of spending two weeks in Bandon on the Oregon coast last year and the weather was great. 

Its going to be more about those factors than any local market factors for DSCR Lenders.The lender should have gone over the prepayment provisions more closely before closing, but assuming you likely have whats called a "stepdown" prepayment penalty shorthand called "5/4/3/2/1" - this means that you can refinance and prepay, however if done in the first year of term you will have to pay a 5% fee, second year 4%, third year 3% etc. 

While you are likely to get some good ideas in general from BP, you’ll find that for specific QUALIFIED advice you should probably spend the $500 for a few hours consultation with someone holding the CRE designation. 

Although I've been appraising properties over 20 years, I'm just getting started as a creative financing investor.

I already understand that MN and my home state OK have license reciprocity, and know what the process is to get it transferred over.

There are cameras all over the place, inside, not just outside.

Just cold, hard facts to guide your strategy.Head over to Data for Real Estate Investors to download the report.