They do typically carry a slightly higher interest rate than conventional and often have a prepayment penalty.

Whats your current vacancy rate and longest tenancy in these areas?

I want to take advantage of the 0% LTCG rate up to 90k-ish MFJ + standard deduction, but if I use all of my capital losses realized in 2022 against all of my income from 2022, I will show zero income.

Nobody with quality RE wants to give up super low interest rates. 

I got some pictures and had someone go look at it for me and I thought surely I could make a go with such a cheap property and make it even  for wholesale if I needed it.

Here are some steps to help you connect with investor-friendly real estate agents and successfully invest in your first home:It's helpful to have a basic awareness of the local real estate market, including average property prices, rental yields, school district ratings, and area amenities, before contacting agents.

My rate has jumped from 4% to 10% so it's hard to find something better than 10% to make it worth it.

However, she did warn me that both HELOC and DSCR rates are insanely high at the moment, but she said that it's a possibility if I can make the payments.

The current property has a VA loan with a pretty great interest rate (2.375%). 

However, she did warn me that both HELOC and DSCR rates are insanely high at the moment, but she said that it's a possibility if I can make the payments.