Do different agency lenders have different spreads and interest rates?

I highly recommend finding a market that is landlord friendly, cash flowing, doesn't have regular catastrophic events, property taxes are low, insurance rates are under control and you like the area.

HelloMy mom is a retired Floridian/law enforcement officer who is now getting bit by the Fl home insurance bug...high rates.

The low cost of houses and high paying rates are making me attracted to the idea..

We discuss loan rates and terms, documentation, and the entire process to find and fund a loan through our C.P.R.

Hopefully finished by June for the cash-out refi (interest rate dependent, ha)Trying both avenues out just to learn as much as we can from our first property.

Even Fannie and Freddie has non-recourse bridges but generally look for experience, but comes at lower rates. 

Understanding the local market there, like rental rates and property trends, is crucial but hard to do from far away.Finding a reliable property manager is vital for tasks like tenant screening and repairs.

And FYI mailers have an engagement rate of ~2%.

A higher factor is where are the interest rates and whether the list price is appropriate.