However, if you prefer to meet in person and not over zoom or some other digital means, that would be a consideration.

Major Bank (Chase)- 6.99 no points.

If banks used that rule not many people would have a mortgage.   2.7X is still a safe number.

This sounds like a deal for a local commercial bank.

They require the person assuming the loan to live there. 

Lenders that do DSCR loans for foreign investors typically require bank documents to be translated and currency to be converted U.S. dollars. 

Does anyone have a bank that loves new construction spec, makes it easy, and has good terms? 

With the several paths that a real estate investor can take, I see a future of various possibilities where I learn how to profit personal my personal affinities, thus solving my issue of getting bored and losing drive and focus.Recently I went through a divorce.

Welcome to BP - Charlotte has a great real estate investing community both on here and in person events

It also feels more personal with the video.