These loans are often found primarily in larger commercial real estate and is a very specific loan product. 

That my friends is arbitrage at it's best.

My first house-hack from 2014 looked very similar to this one in Denver, CO.

Let's be very clear: The NAR Settlement is a cluster 🦆 for investors and brokers alike.

* very easy to file appeal and not too hard to get assessments corrected here compared to other regions?

And my housing authority is very explicit about this. 

DSCR is going to be your best bet.

The NAR Settlement doesn't mean buyer agents won't get paid, it just means they need to be more transparent about it.Like others have said, your best bet to purchase with lower fees and overall better price is to prospect and find motivated sellers.

I wound up finding 3 from a person who had ordered the wrong size and couldn't get a refund that just happened to be the very specific small size I needed with an arch.

Also, I understand there are certain states that might be best to avoid.