My unit's lease started mid-month so I turned on collection for the pro-rated rent (which would've come out to $835 for the remainder of the start month) and security deposit.

In Gary Keller’s book, Shift, he lists 25 creative options that are most common, but barely scratch the surface:- Seller Contributions- Seller-Funded Permanent Buydown- Seller-Funded Temporary Buydown- Owner Financing- Contract For Deed- Seller Second Lease Option And Lease Purchase- Seller-Assisted Down Payment- Wraparound And Assumable Mortgage- Gift Funding- Selling And Refinancing Existing Assets- Non-Occupied Co-Borrowers- Using 401(K)- Temporary IRA Transfer- Pledged Asset Mortgage- Equity Transfer And Bridge Loan- Employer-Assisted Mortgage- Lender-Funded Buydown- Fannie Mae’s “My Community Mortgage”- Running Scenarios With Automated Underwriting Systems- Adjusting Amortization Period To Lower Payment- Adjusting Interest Rates To Cover Closing Costs- State, Province, And Local Grant Or Bond Programs- Mortgage Credit Certificate- Private LendingHe said these options barely scratch the surface.

I am an out of state investor in Indy and recently got my offer accepted but the lender is now offering an extremely high rate 6.375% with a 3.5% discount rate for $3,172.

I would plan for 25-35% depending on whether or not credit has been established.  

I plug in known properties, fit a curve as in sales (baths, pop density, and so on), and try to predict the property's condition based on those features within an error rate (except this time you'd be predicting the probability of a condition, as opposed to sales price).

Plus you might have a good rate compared to todays market.

Depending on how old your current sold comps are, they may fall off by the time you are done with yours, so the pending will be valuable.

Only make offers with seller credits that can buy down the rate to a place that makes financial sense. 3.

Have to look for a lender who will get you closed, good rates and a clean process.

Open to potentially purchasing in all 2-3 locations simultaneously, depending on options.