With the interest rates being a little higher right now most of our investors are putting 30-40% down to make it make sense for them.

There are less lenders who do this and the rate and fees will usually be higher. 

Those usually come with a higher rate so I would ask Guild about an escrow holdback.

I lived in the area for a bit, and saw the high AirDNA rating for the area. 

If you do not already own your primary residence, then it will be easier for you to get a loan with low to no money down with a better rate for that then it would be for another property.

Here's some food for thought to get the conversation going:Finding the Ideal Property: What are your tips for spotting a great house hacking opportunity?

Its just so hard in the current environment to get any cash flow with SFR (unless you bought when rates were lower or are doing a well-executed BRRRR). 

In NYC transactions, property taxes are pro-rated and sellers + buyers pay for the portion they're responsible for (depending on the calendar schedule of the county + closing date).

We do not have a phone conversation nor do we have a face to face conversation so that we avoid conflict.

**Loan Agreement:** The borrower and lender enter into a loan agreement, which outlines the terms and conditions of the loan, including the loan amount, interest rate, repayment schedule, and any other relevant terms.3.