DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

I typically buy a house for 40k put 20k into its and appraises for 110k and rents for $1,100 per month.

These are typically individuals or private groups.

In Raleigh some that may be worth calling are Providence Bank, Mechanics & Farmers, Paragon, North State. 

Reno, on the other hand in the heart of the West, offers a more consistent track record-just what you want for peace of mind in your investments.Key Points:1) Reno is holding its own with solid occupancy rates for multifamily properties.2) Across the West, occupancy is more consistent, and Reno fits right into this pattern.3) For a balanced approach to investment, Reno’s stability is worth considering.For those San Francisco, Sacramento, San Jose, Los Angeles investors looking at the big picture, Reno is a smart choice.Source: Freddie Mac Multifamily 

AlabamaEffective Property Tax Rate (2019): 0.37%4Typical Home Value (2022): $189,9766Annual Taxes on Home Priced at State Typical Value: $702.9

etc etcDuplexes are typically the easiest option.

Also the more people you tell what you do the more deals you will see, for every 20 I get really only 1-2 are worth a deep dive! 

You can use the costs of classes on a down payment and the time in classes can be used finding properties.All my high net worth RE investor clients don't use their degrees at all.

Are they worth it?