Another thing about most suburbs is that the property taxes can be brutal which needs to be factored in to your analysis.The biggest thing is where ever you buy, you need to feel comfortable living in AND upon move out, the property needs to cash flow. 

It depends on a variety of factors. 

Considering all the factors in today's real estate market, how would you guys recommend investing this money? 

. - What driving factors should I take into account when l'm looking for an up n' coming hot markets?

Assorted things.Realistically, on a triplex that's not fully rehabbed, without assuming tenant damages I'd be factoring in roof, flooring, HVAC at minimum on nothing more than a 10 year cycle (5 is safer).

They don't even have two-factor authentication (e.g., SMS code on login), or at least don't enforce it for me since I chose to signup using Google.

- How do you factor in the costs of rezoning or obtaining permits, if necessary?

An ounce of prevention is worth a pound of cure. ...I've bought properties with bad sewer lines, but I KNEW what I was buying because of the scope, and I factored that in to my numbers and offer...without the scope, I would have no idea what I was buying, and I would've wound up with a significant unanticipated capex.We inspect every other part of a property before buying.

There are several factors that could be affecting that, but definitely not an increase.

Rather than comparing Lenders/DSCR loans solely based on these factors, I would advise you to focus on below questions and prioritize what you really need in the DSCR loan/Lender?