Luxora and her counterparts are trailblazing a path towards a more personalized and efficient homebuying experience, all while ensuring that human wisdom remains the cornerstone of every transaction.

For example: Right now an investor whose commercial multi family qualified at 4 % in 2019 maybe cannot make the grade at 8% today so that investor would need to pay the loan down with cash to qualify or sell.So there are personal and commercial DSCR loans?

Ultimately, the decision to purchase now or wait depends on your financial goals, risk tolerance, and the specific opportunities you’re considering and every situation is unique, so what works for one person may not be the best for another.

Personally, I don't charge application fees for mine.

Under 5 units is your pick of what everyone has said above, as each software seems to be quite similar and comes down to personal preference.

Only a few showings, which have gone well, but not one person has actually applied yet. 

Personally, I do not want to leave a future taxable gain to my family. 

Make sure you take the step to transition connections from this forum into in person relationships, building your local RE network.

what's your personal guideline for how much to keep in reserves per property?

They'll probably think it appraised higher but I personally wouldn't want to muddy the water by having that appraisal hanging over the negotiation.