Talk to a local business banker for guidance.Best of luck with your 2024 investment goal!

That said, unless you have a track record or something to offer, 6.5 no points for an investment property is a very lofty goal in this market. 

I think this is a more common objection among higher income applicants who are more vulnerable to and aware of data sensitivity issues.

Get started by creating some long-term goals and work backward from there.

The county planner is holding firmly to the belief the only way to achieve our goal is to proceed through the subdivision review process.

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So the only option they have to generate income is to actually sell the property (which undercuts their appreciation goals)?

My goal is to buy and holds, next, to build a business around properties.        

If you are just looking to save money and that is your goal I would recommend diving deeper into the end result you are looking to achieve.

You can always start on the lower end and increase your prices, but being realistic about your property and charging a competitive rate for the condition and location are the key to getting it rented it out, even if the goal is only to break even.