One powerful tool that can help investors secure better loan terms is asset utilization—especially when the DSCR (Debt-Service Coverage Ratio) is under 1.🔹 How It Works:If your rental income falls short of covering your mortgage (PITI), you can use liquid assets to supplement your income.

There are cheaper one’s in D/F areas but I would be careful as those can create a laundry list of additional issues.

They were perfectly acceptable 20 years ago, but now many areas are limited to one guest per calendar month. 

There is no SST and makes it easier to house hack 3-4 unit properties and you can use that loan repeatedly while with FHA loans you can only have one at any given time.

Has anyone saved money and closed with one of these new upstarts?

I'd bring island out a little more. my advice is make sure all rooms are 110 sq ft minimum. some of these look super small. we build a very similar one in our market.

If you can find one its Millions of dollars since those types of spaces ar3e close to beaches here. 

Through the LLC structure it is possible to take advantage of the existing mortgages modified first at 4,125% 22yers and 1%, yes one percent, for 40 years.

2) You have one rental now, what's your goal of buying more?

There is typically one or more heir that feel he or she deserves more then all the other heirs because the took care of auntie or uncle and  hires an attorney to contest the probate.