There are a whole lot of factors and differences among the options, even among lenders that fall under the "private lending" umbrellaSharing an article published last year that maybe can help and provide some more insights:https://www.biggerpockets.com/blog/dscr-loans-terms-to-know

I am interested in making connections, learning new ideas on how to improve our properties, offering help where I can, and of course, finding more properties. 

Need more experienced help. 

Thank you for any help you can offer!

Can someone help me with the basics of the difference of the 3.5% vs. 5% loans?

I'm sure insurance specialists on BP will chime in with helpful information.I'd recommend seeking another opinion from an insurance agent who can list and explain coverage options. 

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*This link comes directly from our calculators, based on information input by the member who posted.

BiggerPockets is full of resources designed to help you along your journey, whether you are just getting started or a seasoned investor.

Please let me know if you are open for some discussions and I hope to prove myself to be of great help in your journey as well.

Initially I had thought that this company only does property management, but as it turns out they help the investor from A to Z, when it comes to finding appropriate agents, lenders, contractors, handymen, managing rehabs, management, providing advice on the best investment strategy, etc.