The first house I ever bought came with a 18% loan, gulp....I agree that if rates drop even slightly, the market will go crazy.....there has been a year or more of a 'slow market' and scared buyers and sellers.

Since last year of November, Fannie and Freddie has allowed borrowers to put min 5% down for conventional loans and being able to invest multifamily up to 4units.

Does anyone have any recommendations for a real estate agent that has experience with VA Loans (specifically- assumable VA loans)?

After some research, I'm thinking a DSCR loan is the best option for me.As for the area(s) I am interested in: I am not entirely sure.

From a legal perspective, it seems to be commingling a bit, but I guess it's technically a loan to the business.2) If that's not a viable option, then I was considering a business LOC. 

Tellus wholesale business-purpose residential real estate loans are typically 6-18 month loans.

These loans DO meet my criteria, so I feel they are safer than many of the funds I looked at.If I'm in a state, like Texas, with great foreclosure laws, this, for me, is no more risky than buying the property for all cash at the price point equal to the loan balance.

.$700k down 1.3m loan at 6.5% amortizedover 20 yearsYou would make $18k a year in Cash flowWould pay down $31k a year in principalAfter the first 5 years.

Sharing what are some of the things I think may be on the horizon for DSCR Loans in 2024 - inspired by a lot of comments that pop on these forums. 

Also, per their numbers they are buying for 37 mil, debt 24 mil, equity 20 mil, 44mil minus 37 price = 7 million in closing costs, which is 35% of the total equity, RE commissions of say 4% total 1.5 mil so they are taking 5.5 million in fees up front as well minus the inspections/loan fees etc.