You should look into DSCR Loans - many investors like yourself typically move to this loan product once they max out with DTI/qualifying conventionally - a bit higher in rate than conventional mortgages - but no DTI ratio or tax returns/income verification makes a much easier qualification process and LLCs are 100% ok (even as sole owner) and actually often preferred.PS - published a 10-part article series here on BP last year on everything you'd want to know on these loan types - sharing links below, hope it can help!

Why do you think purchase contracts are so long and have such small print?

Lastly, it could be that the bank is going to portfolio your loan at below-market pricing because they want the entire banking relationship (deposits, transaction processing, consumer lending, etc) or simply want the risk (yield).Lots of local and regional banks have been retaining loans at really aggressive pricing recently as the current environment makes this favorable for them.

It's mild insanity and recipe of long-term failure.If I counted up the amount of times I could have told an investor I told you so because I gave them sound advice and watched them not follow it and lose money, I could fly to the moon private.

I’m looking to start with a long term buy and hold deal - your concern about HELOC is what I was worried about.

The last test I took was 3.5 hours long.

So, long story short.

Two years are too long, they will put it off for the next 18 months and it's also hard to gauge what the market will be like.1.)

It can also be a. sign of economic growth.As long as there's no clear negative factor, it probably won't change much or could even be positive.

Are you looking for steady rental income or long-term appreciation?