Again, I could be mistaken, but I’ve shopped a lot of lenders recently and mid to high 4% is what you should be expecting at best.As for what you should do, start researching. $25k will almost be what you are paying in closing costs on a VA loan at $500k+ with originations fees included.

Any tips will help!

It’s pretty useless without it, and I use my phone more than my laptop....any pro tips on navigating the new UI?

Fellow investors if you have any tips, advice, or information it would be greatly appreciated (especially from Michigan).

If anyone has a recommendation of a great shop that I should go to in the San Jose area please let me know.

@Mark Ainley If its under 6ft and not masonry anyone with a GC license can pull an easy permit online (assuming the property is not owner-occupied, otherwise the owner can do so).

@David S.The best way to is to constantly network with brokers and search through listings online. 

I did some digging online and found a Use permit completed and appears to be approved...

I know many sell Purchase Agreements online as well.

This is especially true if the lender initiates contact with you via email/online and is offering a too-good-to-be-true interest rate and asks you to wire them money for an application fee, origination fee, or some other fee.