Hi,I have worked with a few lenders and have been seeing rates for a 5% owner occupant conventional loan floating around 7.1 - 7.3%.

@Carlos GarciaAlso to add - a hard money lender most likely will never inflate an appraisal if anything they will deflate it because it adds a significant amount of risk to them and their loan

This increase provides more choices for buyers and drives competition.Months Supply of Inventory: Inventory supply jumped by 59.3%, from 2.7 to 4.3 months.

I'm also having fits with traditional banks because the loan would be considered commercial.

I would love to work with someone in the industry that would be willing to provide an educational experience in exchange for sweat equity.

Different people but it's also a group that provides valuable connections and knowledge.There are more groups out there but these are the two I visit on a regular basis and both have helped me on my real estate journey.

Does anyone have a recommendation for a 2nd home or investment property loan in Maine?

Can’t be more than four units because I will be purchasing via a VA loan.

I have no W-2 income and have been advised to consider DSCR no-ratio loans, but current rates are in the low 9% range, which seems high.

We had the discussion about how I was a local buyer and we can meet in person, I can provide references, etc.