I'm seriously considering a career change to become a Mortgage Loan Officer first before or alongside investing in real estate.  

Feel free to use me as a resource for any loan-related questions. 

I have a DSCR product that would not have a waiting period off the market but would have a PPP and would only go up to 75% loan to value.

I am inclined to sell because I feel like I'm sitting on cash and I do not like the idea of taking out a HELOC or other loans to continue my investing journey (I got debt free in 2022 except for the mortgage). 

Holding costs (insurance for vacant property, utilities, and interest payments for Hard Money Loans) can eat up your profits.

Do they go back to the loan balance?

Hey Seth, If you have a good FICO, Loan Amount is above $250k, and property DSCRs at 1.25, You may achieve a rate at the high 7s at 70LTV on a 30 year fixed loan. 

I’ve been wondering that same thing.Seems to me when comparing candidate investments, why would I pay more for an investment with risk and work (5% Cap multifamily), than a risk-free passive investment (5% CD or T-Bill).Note that going from a cap rate of 5% to 10% is a 50% drop in price…that’s significant…easy to see why a seller isn’t willing to give a higher return.I’ve asked the question before and gotten answers like it’s because investor borrowing costs vary, and you must consider future rent growth and appreciation … I guess if you have low borrowing costs and are optimistic about the future a 5% cap rate makes sense. that's just a bunch of bull from agents and gurus trying to keep their game going... of course price should drop 50%... say today the commeercial loans are at 7%, and cap should be 2% higher to make the risk worth while, so call it a 9% cap.patience... this bs market needs cleansing... and when the time comes, it will be easy picking.no need to play the hard game... my friend

Actual real estate or hard mo ey loans involve a Promissory Note and a Mortgage/trust deed document securing the  loan with a lien on the house....not done “investor agreement”.

I've seen a lot more interest since the last week of January than I did almost all of H2 2023 combined when I first took a (distance) look.