I've been able to get a healthy combination of both cashflow and appreciation from all my properties after a little TLC.

The only details I have currently are that he placed 10% down 5 years ago so is currently paying PMI on his loan.

I will layout some information below and I am all ears to advice from there.Current savings: $12,500 (with the capability to pull funds from an IRA if need be)Currently working with a realtor I've worked with before in my rental market who is also an active investorI have the proper steps completed for a DSCR loan from a company found right here at BP and the process was smooth. 

having trouble getting a home equity loan due to my work situation. 

I know a lot of first time buyer loans want you to stay in the home.

Loan to value ratio: The higher the loan to value ratio (LTV) is, pricing takes a hit.

@Roger West You should have no problem getting a construction-to-perm loan. 

Hi folks any suggestion of where to invest in Frederick, MD (county) so that it pencils out for a DSCR loan with 20% down.

The bottom line is you shouldn't use any of these strategies without proper education or hiring a competent person to guide you AND you should have the ability to reposition the debt IF the sellers lender calls the loan due.

The origination is what they are charging to do the loan