LA didn't have as much of an upswing in home values over the last ten years compared to the other areas but I also don't want to buy at the top of the market (which is San Diego right now, although may be doubtful it decreases - some places up 110%).

You need to match your self and your scenario with a lender who offer unlimited products and programs with prime rates.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

If you had a bit more capital, say $80,000 - $100,000, you could start doing BRRRR's in markets like Detroit (this is what I do).

Looking ahead to my next project, do you have any advice or resources for finding off market deals? 

Considering their LTV is at market or debatably below market (depending on the asset), if the interest rate or loan terms aren't advantageous, I'd also suggest getting quotes from other lenders.Since you are located in upstate NY, I'd look for local banks.

It’s highly passive and there not much to do other than network and marketing.

How long from the time of application and until getting the funds.Me and my delinquent tenant filled out the paper work May 9th right before closing of the program and it still says ready for review.I am in eviction court as we speak and just got done with the 28day ERP BS and to be honest if I had to do it all over again I would have filed earlier and used a lawyer.

I am also in the cincy market I will send you a connection request.

Yet, as I closely monitor the current housing market, I realize that stability and thorough due diligence are paramount before taking ownership.