The internet and social media are powerful tools that enable these bad actors to get in front of their victims.

Slow down, and don't push a bad position. 

I just heard back from the bank and her response to my inquiry I emailed and said"I'm not finding any information that the adverse market refinance fee is still active, I've only found information to the contrary.Linked article from The Federal Housing Finance Agency mentioning the fee has been done away with as of August 1, 2021"Her response"You are correct, no hit for Cash out on primary residence, that has gone away but we do have adjusters for Loan to value and cash out loan to value along with credit score and 2-4 unit"This is problematic to me on so many levels, why was she willing to increase my interest rate based on her ignorance, who is watching and making sure these lenders are doing the right thing?

If you have equity, you can try cashing out or open a line of credit for your primary.

I'm leaning towards seller financing because my credit history is too short to get as many properties as I want to get this year.

@Kay Nemen you're making typical rookie mistake of ASSUMING that all PMCs provide the same services and EXECUTE those services exactly the same way.You're solely focusing on costs instead of HOW their PROCESSES will effectively manage your investment.So, you'll get exactly what you pay for - good or bad.

That's not bad.

For the DSCR loan you can also get a gift from a relative if you have at least 5% down of your own funds and with good credit you will not need to show reserves!

They thought about giving seller credit to the buying LLC so it isn't recognized as profit... but I'm not quite sure that's how that works. 

If you have the income and credit, maybe you can sign on for the loan and someone else provides the down payment?