She didn't think the case holds much water but it could be very time consuming resulting in high fees.

You have a lot of high level questions here, so I have high level replies:DSCR loans: Pros- they don't follow the rules for conventional loans, so your personal financial situation is irrelevant.

The report was good, listed problem areas and recommendation of fixes.

We do not recommend to any of our clients to pay points right now as the industry as a whole is anticipating rate cuts within the next 12-18 months.

I am looking for recommendations for Direct Lenders or Mortgage Brokerages who sponsor newly licensed MLOs.

Maybe if you buy it and live in it where you only have to put 3-5% down you could pull something off… but we bought mostly C class properties back in 2018-2021 and our dollars to close were usually in the high 20’s to low 30’s just to buy the property with 20% down. 

Rents are high too, don’t get me wrong.

The outcome of the E Church Street deal in Stockton, CA, was highly successful.

You can get good rents at low entry points in some of these areas, but there’s the question of finding good tenants along with the downsides of being in a high crime area.

I was there last week, that place is the hot bed of high tech lol