Does anyone that I meet say "Oh, you have an MBA?"

If you haven't done any flips in the area, HML rates will be high for you to start with no verifiable track record locally.

Since about April of last year rental rates and occupancy has been in the literal toilet.

In person they're more apt to give you ideas of what you could do or even if it is possible.You might also start watching or going to the P&Z meetings to hear the discussions.   

Five Guys has been scouting this area for about 3 years but hasn’t found the right location to meet their demographics.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

I got to ask these investors that I have been following for years industry specific questions .I asked Brian Murray and Brandon Turner market specific questions regarding cap rates.

By meeting the clients needs and what’s best for the both of us.What was the outcome?

HML just rebranded to PML to give the borrower the illusion that their rates would be lower or terms easier.folks are always looking for that PML who will lend for far less than market.. and as you mention those would generally be individual lenders.ANY COMPANY PML or HML that advertises and holds them self out as a lender no matter what they call themselves are HML or PML they are one in the same.what your getting at with the larger companies is where they get their money..

At current interest rates, the new mortgage would be more than our current home to move into this smaller house.