Maybe an ARM would be better but you have the risk of them going up as well.)

I'm still working out what will be the best route for me either small multifamily or SFM. very new to REI so have a lot to learn.

Pretty much everything is negotiable in real estate.Loan Origination is how much the lender is going to make on the file (if direct lenders: this is typically a junk fee; if brokers: this is your loan officers compensation).Points: this is the cost for the rate itself (if direct lenders: this can be negotiated, as they manufacture the rate sheet with profit baked in; if brokers: the rate is the rate, you are getting bottom of the barrel pricing).Credit report/appraisal: these are the actual costs -- no money can be made.

We helped friends/clients purchase a business that changed their lives and we started doing a podcast talking about aspects of business that are missed, mostly the small items so new entrepreneurs get exposed to those parts, but we have been so busy with our own businesses that we had to put it on the back burner for now, after about 8 months. 

They are able to offer direction, listings access, and help with the purchasing process.Use the BiggerPockets community to your advantage.

The Self-Directed Individual Retirement Account (SDIRA) isn't just a nest egg; it's your golden goose.

Hey @Aasin Pritchard - sign the assignable contract first lolWho's to say you discuss it with a buyer and they don't try to cut you out of the deal and go direct to the seller since you gave them all the info without a signed contract? 

I just did three loans up in the Jasper/Big Canoe area near you and we have a real estate investment arm that has JV'd a lot over the past decade+.

Please direct message me.

Allentown, Small Multifamily (2-4) would be our ideal first property.