After living through the GFC and the shrinking market for local banks, they saw an opening in the market for what they call "consultative banking" like they had years before and decided to start a bank.

For now, I'm mostly focused on identifying the right markets.

Plus, you already know the market, which gives you an edge.

Woah 13.85% even on an investment property is super high...I got a heloc at a 7.25% (this is variable with the market as with any HELOC) for an investment property.Talk to your local credit union.

Rules vary significantly, and you need to be aware of licensing, taxes, and any restrictions.Local Market: Analyze the STR market in your target area.

I was interested in this type of deal because I was living in the area for another year and needed to build equity as well as dip my feet into the real estate market.

In fact, just finished one that I have yet to put on the market. 

I see off market properties weekly, talk to investors both new and seasoned daily and I am actively buying myself.

Lenders do not look at your personal income or debt and will use the current market rent or lease (up to 120% if the lease is significantly higher than market rent or vice versa) as qualifying income.

Any brokerage can be the right fit for you so long as you commit to taking initiative and putting in the work.By 'work', I mean income-producing activities (lead generation and follow-up) i.e. cold calling, door-knocking, contacting your sphere of influence, networking, hosting open houses, running online advertising, marketing (paper or online), or anything else that will get you in front of prospective clients.My first broker rarely answered my phone calls and by the time she responded, I'd often already have the answer I was looking for.