Hi Josh,It depends on whether you will be needing the 20k saving, your income and risk tolerance.

I’m thinking my split on a 20% fee of owner’s STR rental income would be 75% + a finder’s fee for new clients of $1000 or 1% of first year’s 20% rental fee (whichever is greater) + 90% of the $1500 listing setup fee which covers all the work of creating the listing, coordinating the photography, on-boarding to channel management and dynamic pricing software + referral fees on rental properties that go to list.

DSCR loans primarily evaluate the property's income-generating potential rather than relying solely on your personal income verification. 

I just turned 60 and would like to retire on REI passive income by age 70.

I have accumulated paper losses (e.g. depreciation) I’d like to use to offset my spouses W2 income.

These loan programs take your good credit, the property value, and the property income into consideration for what size loan you can get.As for your rehab loan, I think that sounds like it is pretty in-line with what I see for the two dozen programs we utilize. 10.5% to 12% with interest on drawn funds only is where I try to peg most client deals.

I like the freedom of doing real estate deals, while helping people get what they want out of their opportunities to have property as another income stream.

Most investors goals are more modest perhaps to replace their W2 income and get financial freedom and that doesn't require 100 doors.

its incremental depending on your renters our area is more concred with leed 140 compliance in buildings so i dont buy anything older than 1985 without a budget to convert the property. currently we have 100% occupancy in a high income area so having these amenities is critial for new buildings without enough Power for in Garage Car charging people with jobs and new Teslas wont rent. https://www.globest.com/2021/0... 

so, what I want to do is to create passive income with cash flowing properties.