And if that LO you are speaking with is not a top producer, but a barista-turned-loan-officer, due to the events of 2020 (I'm not saying that in a negative way, a LOT of baristas got into the mortgage business after March 2020, and guess who is most likely to mis-quote the >6 property hit? 

@Mark Berge - If you have 4 or less financed properties, then you are eligible for Freddie Mac's choicerenovation product.

There are some pretty nice discounts on many products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proIf you haven’t been to it already, the Bigger Pockets blog features links to their fantastic podcast and many great articles: https://www.biggerpockets.com/renewsblog/

If you had little to no debt (DTI: 5%-10%), currently renting, your initial REI goal was to fast track your way to be able to quit your 9-5 job with replacing it with positive cash flow, main goal was to acquire as many doors as you could, had 100k to start, and still had cash for reserves…Would you continue renting and or seek out a primary residence where you could house hack (keeping your DTI low, so that your able to still acquire rentals) or would you first acquire income producing rental properties and then use that income to eventually help you qualify for a primary residence?

But profits sure didn’t, as the typical home flip around the country netted the smallest return on investment in a decade,” said Todd Teta, chief product officer at Attom.

Jordan E Smith, as frightening as variable rates may seem on the surface there is much to consider when looking at the product. 

I'm even open to something with a higher interest rate, as long as the numbers produce profit for me (rent from the property exceeds monthly payments) it's a win right now.Any Ideas?

They are able to provide hand written products at scale for a personal touch.

The tax typically does not add up to much and will be less than the amount of boost in return that leverage produces.  

It is certainly worth reaching out to your own bank to see what options they have for you but you should always shop around for other products.