Then, reach out to a mortgage broker, and see what your options are.

There are lenders that will go down to 620 for your middle mortgage FICO credit score with more money down and lenders who will do 15% down for a single family with 720 and above with a 1.2 DSCR ratio (more on that below).

Do we, for example, sell our current SFR and put all/most of the equity into a down payment on the duplex and have a lower monthly mortgage payment?

I would also point out that it's unlikely the rates will come down close to 2.99% within the next year, so sitting on the sideline for years is a risk in of itself.Alternatively, you could get a 2nd mortgage that would allow you to keep the first mortgage at 2.99%.

I’m coming up with: $4600 monthly rents$450 insurance $950 taxes $690 Cap ex, Maintenance and Vacancy 5% each $400 water/electric from current financials $130 landscaping from current Which leaves me right under $2000 for a mortgage payment just to break even, which is a purchase price of $375k with 25% down.

Have you had a larger wholesaler send out the property for you or connected with lenders to see if they know of any buyers?

Specifically, I'm interested in finding a lender that allows a 10% down payment on investment properties.If anyone here has experience investing in these areas or has any lender recommendations, I'd greatly appreciate your insights.

I recently took out a HELOC on my primary mortgage and have used this to purchase a home for 32,000 with rehab cost of 150,000 and ARV of 220k.

Even if you are leveraging assets, if you are not occupying a property, all lenders are going to be looking for a big chunk.

Traditional mortgage?