@Tracy Graham so there are some VERY distinct differences between these two products.  

if enough people are underworking, it will take a lot more than the top 2% to allow the non-productive/under productive to live a great life.Maybe technology can save things, but in the absence of technology, I fear the US falling from highest GDP over the next generation. 

Most DSCR products you will find are about 80% LTV. 

None of these companies have an FHA product for multi-family homes, and the Conventional Mortgage products offered by one servicer can only be used for a duplex.I would like to know if FHA first-time homebuyer loans can still be used for multi-family owner-occupied 4-unit properties?

See what the other similar products in that area might be doing to get prospects.

Recovering: I do think that burnout is real, and it is better to take a certain number of hours and be very highly productive, than to say we worked like 14 hours, but a lot of distractions in there.

Properties in Georgia Commercial product for property(s) held in an LLC75% or more LTV - CASH OUTNo Seasoning Requirements Leased or not - depends lender requirements.Loan can’t be called if current.30 yr fixed amortizationMoney only trades hands at closing.Can package as a portfolio loan with like properties to be added as completed.If anyone out there has CLOSED a loan for something similar please let me know.

I just don’t want to get caught up in activities that might be less productive early on.

Private Lender can offer 30 year products (fixed or adjustable).

If I was expecting to redeploy that capital inside of 24 months I would absolutely choose the ~$1,500 penalty over missing out on a deal though.Not sure if you’re doing it already but most of the big 5 have a great auto readvancing product that will allow you to leverage equity via a secured LOC.