All facts, figures, and numbers must be verified such as verifying the HOA fees or the annual property taxes by looking at the city's website.The MLS offers a place for agents, buyers, and sellers to go so there is tremendous value there.

There won’t be any taxes and your life will be easier. 

We have some contact here in Canada who have closed on 100+ unit multifamily deals in the Texas region.We are focused on 75-200 units, class B+, with 7% go-in cap rate.

With the WSJ Prime Rate in the 8%s, you're probably in the 9%s on your line right now (just an assumption).

(the same loan you likely used to buy the now rental and your current primary) There is no reason no to use a conventional loan if you qualify because the rate AND terms will be better with a conventional loan then a DSCR. 

I'd rather not ask my parents or family members to co-sign eitherSo the question is what would you do and recommend in my situation Have you spoken to the seller and said look, I am 19 so I do not ahve 2 years tax history.

I got these questions from this: House Hacking & Taxes (the Implications You Need to Know) (biggerpockets.com)2.

Mostly hype and VERY little substance, I was quite disappointed to find their rates and terms are a lot worse than what I already accomplish as a money broker. 

It´s tax free, take the money. 

The rate buydown is simply a part of your closing costs, so if you work a 2% seller concession into your contract and want to consider that the 'seller-paid buydown' then that's up to you.o Rate floor: You are going to eventually hit a rate floor with any loan program, or a point where you cannot buy the rate down any further.