I've owned and lived at the property since 2021 so I meet those requirements.

I second Bjorn’s comments, but also urge you to learn about your local leasing requirements.

-Credit Requirements: Ask about their credit requirements to see if you're a match.

It will require getting higher coverages on your properties but the cost difference won't be significant. 

I was also happy with that as conventional loans at the time were at about 6%.Lowest rates possible will be in relationships with private money lenders.Lowest rates in the public market will be in the form of a conventional loan.Next up you have commercial mortgages that are usually slightly higher than conventional loans but don't have as strict of loan requirements as conventional loans do.Usually a bit higher in rates are DSCR (debt service credit ratio) lenders.

They have to report that on the Federal Depreciation Schedule that is required from year to year on your property anyway.

This means they have passed their education requirements, tests, continuing education, background checks, fingerprinting, etc.

I found one property manager that will help me accomplish the requirements for meeting the tax needs as well and only requires 10%.

Normally hard money lenders require 15-20% down and they cover 100% of the rehab costs.

Apparently he paid them or required them to come on here and say things like that he's a go-giver and provides way more value then we'll ever know and stuff like that.