@Troy Zapp, if the wife is on board, start exploring the investment strategy of house hacking to minimize monthly expenses and watch your income snowball.

The focus points for me right now are deciding what to include in my tech stack that's not going to break the bank in the future as well as includes professional features not just a user friendly interface like some other PMS.I'm between these 3 currently. - Hostfully(seems to be most cheap)- Uplisting(seems to be the most professional)- Hospitable(most friendly UI & the only one I currently have experience with)     Biggest con for me is lacking in ai for messaging which they've denied integrations with developers.

I currently have two duplexes right now that I should be getting the 1% rule once it's fully rented out.

Also, do rates differ based on what method they’re using to do the loan — business bank account and business income vs.

A year of rent sounds great on the surface but I'm wondering why they wouldn't just pursue a normal year long (long term) rental...maybe they've been bad renters or have bad credit or low income.

I have worked with EasyStreet in the past and have closed loans for my clients using their program.At this time, I am currently using a different program for short-term rental purchases and it has been performing really well this year.

I'm being quoted by one lender around 8% currently with 30% down and another lender with 20% down. 

Rather than accept an offer to cash out (offer restricted by current appraised value which because of recent vacancies was low) I chose to sell on a wrap around note.

I am open to other lenders and products, But currently seeking funds of $467kOne of my goals in Real Estate is to acquire and manage homes in my hometown.

Lastly, it could be that the bank is going to portfolio your loan at below-market pricing because they want the entire banking relationship (deposits, transaction processing, consumer lending, etc) or simply want the risk (yield).Lots of local and regional banks have been retaining loans at really aggressive pricing recently as the current environment makes this favorable for them.