Hello, this lender at gaurenteed rate says my DTI will be too high AFTER i buy this SFH (with FHA) that i will turn into a rental later.

Due to recent changes in commission rates, many buyer's agents are asking the buyer (you) to pay the difference in commission compensation.

Please tell me where interest rates will be when you finish your construction loan and need to put in permanent financing?

They will often want a new building constructed and building today with labor and materials is very expensive versus retrofitting existing building.When I buy value add vacant buildings the goal is to double the return on investment within a 3 year period.So if I can use the existing building and retrofit to same concept ( example previous burger inc. but now Whataburger wants to come in ) then not as much tenant improvements to convert.So if rent 20 a foot for 5,000 ft that is 100k NOI NNN a year. 7 cap value is about a 1,400,000 stabilized valueSo if I buy it for 400k and have 300k in it more 700k to get new tenant in the value is then around 1,400,000 based on NNN 20 a foot and a 7 cap rate exit value.If you want a premium price then you would need to sell to an end user tenant ( regional or national in nature) that wants to buy the building and put their concept in there.

Charge the tenants a higher rent rate and include utilities with their rent.

The broker said the occupancy rate is about 90% all the time because it is very close to a hospital and most of their renters are hospital residents.

You have the cash or you have equity that will be converted to a HELOC, a retirement account that you will pull money out of and be subject to 10% penalties plus your tax rate?

While they are local they have horrible interest rates and the tech is terrible.

By the Fed raising interest rates it slows those major asset purchases down... which is why you are not finding many cash-flowing deals.   

If you are a veteran you can get 10% discount off their sales price too and often free delivery.