Am I simply a hobbyist because I don't charge everyone the same rate or because I left 0.25% on the table?

I had a similar experience also didn't get 2 of my properties rented by November after I turned over one at the beginning of August and the other mid September.I switched to another local but flat rate company who rented both in less than 2 weeks.

The purchase price, loan amount, your interest rate, whether you need mortgage insurance, your homeowner's insurance cost, property taxes, and your current monthly debt obligations all factor into your DTI.  

I'd ideally like something that'd be an interest-only construction-to-perm type of loan for a small multifamily like mine, with the cap-rate helping reach the proper ARV %'s that most lenders need.

Here are highlights of the program right from their website:Program Benefits-A 30-year fixed interest rate mortgage loan, several rates and loan options available-Down payment assistance (DPA) 3% to 5% of the loan amount-You do not have to be a first-time homebuyer-DPA provided as a grant (never needs to be repaid) or 3-year deferred forgivable second lien loan-Available statewide through a network of participating lenders.

The one I used had all of these, I'm just the type that will build and install my own cabinets (I enjoy it) and the $1500 savings of doing so is too tempting... 

Hey Andrew, conventional loans offer lower interest rates but they require 20% down payment.

(Urban, suburbs, rural) What population sizes and growth rates?

The interest rate ended up at 9.3% with a 9 month term, interest only payments.

Avoid places with high crime rates or those not showing signs of revitalization