I have a healthy income and have built a solid financial base for my age.

You’d have to look all the way to Nevada to have no state income tax, lower property taxes and insurance, no weather related issues and a young property base.

He can discuss DSCR loans and is CT based.

These type of loans have the least requirements and are usually approved based on the investment property alone and not the income of the borrower.The highest interest rates will be from a hard money lender.

So If I understand this I would be looking at base rate +4.125 then whatever additional rate the lender is adding on, minus points to buy the rate down? 

@Caroline Knight I am a local lender based in Chicago and I have helped hundreds of Veterans with their VA loan and house hacking.

My ultimate goal is to have $10,000/month cashflow in about 10 years time with "low-effort" REI to afford a mortgage in CA :) Good afternoon @Siddhant Pradhan,Congratulations on jumping in. 

I have just met someone who told me about the possibility of taking out a securities-based loan.

Maintain your curiosity, keep expanding your knowledge base, and look for networking and learning opportunities.

I intend on expanding the bedrooms since that's what the market seems to really like (the more bedrooms the better) based on conversations.