I would think of this problem differently: I might encourage them to explore ADUs... this would give them an additional stream of income and would likely only require a relatively small chunk of money in their savings (relative to the total cost).If they could partner with someone that has experience building and/or flipping (to qualify for the construction loan), then cash them out with a 30-yr DSCR loan (and use that as the builder's profit), then they could rent the property and enjoy the cash-flow.

Those are two different specialties.

Or, a place where lots of new houses are being built might give you an indication that its an opportunity zone or in high demand.Smart Steps to TakeLook Back in Time: Use Google Maps to flip through images from different years to see how things have changed on and around the property.Spot the Signs: Keep an eye out for things like construction activity, nearby abandoned areas, traffic velocity to understand how things have developed over time.Predict the Future: Knowing what’s happened before can help you guess what might happen next.

I have been in the industry for about 7 years now, and I have tried a lot of different pricing software.

Make sure the numbers work and look for off market properties or different booking strategies such as mid term rentals or short term rentals. 

Many DSCR lenders have different guidelines as it's a grey area type of loan. 

We have been doing our research regarding the in's and outs of the different types of real estate investment.

Hey Mike, ever market is different.

That being said on a $50k line of credit, the payment difference is about $40/mo at full draw.

Which MN is a deed sale state, totally different from liens.