Now, every 1% origination moves the needle by 20-35 bps, depending on the lender.Usually, the only folks paying extra points in this market are deals where cash flow is an issue and they need to buy down the rate for more LTV.I've brokered 300 DSCR loans, and the rates you mentioned are no way real unless you're talking very reduced leverage (50% or so LTV).

Any advice on working with tech employers for placing rentals for 30-day stays / MTRs for corporate housing in the Bay Area?

this is a strange (morbid) subject.

We are buying more this week, all with 15- 20% net income, 

After 2 years of learning, I have come to realize there is no such thing as "No money down from a lender without and deals under my belt."

I am also looking for info on creative purchasing and "Subject to" purchases, especially BRRRRs.

I would love to hear any and all thoughts about this as a first or early purchase including financing details I may not fully understand for commercial properties. 

My advice would differ based on the answer to that.

Since I don’t have many assets or a lot of cash on hand, I’ll need to be creative and strategic. 

Used a realtor to find and negotiate this deal.