My main goal is to understand what types of loan products are available, and we are now more open to analyzing out of state purchases.We are eager to make our first purchase within the next 3-6 months.

.- thanks   1) on the  1st mtg  refinance proposal at 4.1%  -  sounds like they are  offering you the  higher note  rate  so they can  absorb  some of the closing costs .....make sure you get a loan estimate and  review the details about them picking up all costs  ( titel / escrow / recording /  credit  etc ...)    2)  also  check the  index / margin and  caps   on the new  loan  offer   and  compare these to the  present loan  details  ...if you  keep this loan past the   rate/ payment  adjustment  period - you want to make sure  you  are aware of  how the ARM  can  change   3) the offer  to  do  " free  "  refinances in the  future  is  no  big deal  beacuse  any lender  can offer this  via  a higher rate  to  absorb  all costs 

@Kevin ChubetKevin does this STR tax strategy also applies if you acquired the property as a second home / vacation home using the 10% down loan?

I don't need it to get a building loan because I'm building with cash.

There are also several hard money lenders as well as lenders that specialize in DSCR or Non QM loan products too. 

- Loan Type and Liability: Implications of personal vs.

If you're hoping to wait until interest rates come down, not only do we have no clue if or when that will happen, but when it does you may see prices go up as buyers are able to get larger loans.

I'm planning to pursue a conventional loan with 10% down payment.

Wanting to know if they have any DSCR lenders that will loan on a condo.

The app that I used did the background check of the lady only but not the guy and by the time I check on the guy online and found out that he had an eviction the lease was already signed and I asked him about the eviction he came with the perfect story and I said well.