So bottom line is my experience with Wagner and his team has so far been stellar. 

Hey BiggerPockets family,I was just approved for an owner occupant, Fannie Mae, 5% down with a purchase price of $1.3 million for a 4plex in the Phoenix Metro of ArizonaMy middle FICO credit score is 759My current DTI debt to income ratio is 30%I have enough down payment, closing costs for the subject property, and enough liquid reserves for all 10 of my apartment buildings totaling 45 units in PHX Metro AZ my mortgage lender quoted me with a rate at 8.125% with me paying 0.156 points totaling $1,920My question is,does this 8.125% interest rate sound reasonable for an owner-occupied fourplex 5% down Fannie Mae conventional loan as of March 27th, 2024, at 1700 hours?

As someone who does this, we actually take really good care of the property because it needs to be in top shape for the corporate client.They usually pay a premium to market rent too.

The Programs includes or covers:- Up to $2.5B in second loan purchases- A maximum programs duration of 18 months- A maximum loan amount of $78,277- A minimum seasoning requirement on the first mortgage of 24 months- Only for Primary ResidencesThe effect of a guaranteed government backed second mortgage for homeowners would be significant and likely put eligible second mortgage terms in line with below market FHA and guaranteed first position mortgage rates. 

Keep in mind, the new vehicle may be eligible for Bonus Depreciation or Sec 179 depending on % you use it for business/rentals vs. personal use....

As you start to build a relationship, I've had success paying contractors for quotes until you do a job with them.

How much should I pay to have my house re-painted in Palm Coast, FL?  

You have to pay for it but MBS Highway has real estate reports.

I want to prorate it to the current rent and ask them to pay the difference.

Just use archive.ph for any pay wall articles.