Hi Jose,Have you looked into non-QM programs or commercial loans like DSCR financing?

What kind of loan are you getting?

From getting loans to insurance costs etc, are their fewer people moving to the gulf coast due to these issues?

However, I’ve take five 401k loans up to 50k to buy houses.

My fiancé and I each bought multi families separately in our names so we could each utilize an FHA low down loan. 4) Talk to a local agent, especially an investor focused agent.

any consumer debt, student loans?

Did you purchase a foreclosure on a 2nd position lien that was subordinate to a senior loan which is still in place? 

Original loan value of $163K taken out in 12/2009 with Bank of America.

Here are some considerations:Pros of Using a Hard Money Lender:Speed: Compared to standard lenders, hard money lenders can provide quicker approval and financing processes, which lets you take advantage of time-sensitive possibilities.Flexibility: It may be simpler to obtain financing if HMLs are more accommodating when it comes to credit history and property condition standards.Access to Funds: You may take advantage of more investment opportunities by having quicker access to the equity in your property.Experience: For first-time investors in particular, certain hard money lenders offer invaluable experience and advice that can be helpful in navigating the fix and flip process.Cons of Using a Hard Money Lender:Greater Costs: Hard money loans might have interest rates and other costs that are greater than those associated with standard financing sources, which raises the project's total cost.Term Length: HMLs normally provide loan durations that are shorter, usually lasting between six months and a few years.

In some cases, you can extend your Homeowners Liability to cover that lot.