Or Brokers that just jack up the rate and charge no points and get the rate rebate

Doing the due diligence on rental rates wont be an issue for me but I’m not a developer.

I've seen people get really competitive rates that way.

Despite the ongoing decrease in mortgage rates, the real estate market is facing a persistent challenge as housing sales struggle to bounce back.

Evaluate historical and current vacancy rates, aiming for decreasing trends.Demographics: For younger populations, focus on proximity to parks and schools.

No seasoning.Key Bank, FLorida flexible lender, HELOCs on second homes and rental properties. 90% LTV on primary.PenFed - max 3 other properties, 89% LTVRegions- yes HELOC but no LOCSCCU Florida 70% LTV, 6.25% interest only, not LLCSound CU "non-owner occupied HELOC, capped at $150K and interest rates are prime + 2%, 3% or 4%, based on credit, not to exceed 70% ltv.”TD BankTIAA Direct was EverBankTower FCU, all states except TX, max 45 DTI, green card ok.

Current rate is 4.75%.

There were only a handful of nationwide insurance companies willing to rate liability insurance on STR management, and almost none (none?)

California investors, what are your thoughts about my ratings below? 

I think a HELOC is the best option 95% of the time, especially with rates on the higher end.