Mid 6's to low 7's on a DSCR loan is available - just might have to go further out on the prepayment penalty and put 25% down (to be realistic).

I just bought my first house hack and looking to continue to add more duplexes with taking a HELOC and doing BRRRR's.

If need be, I might go up to maybe 5%, but 1-3% is my general goal for increases.

So far, I have one lender with whom the HELOC convo was actually going well until the matter of the house being owned by a business came up; then she redirected me a commercial loan (which may be what happens).

However, if you want organic placement on google and Bing than I would go with Carrot.

They did go through rigorous screening but I just got some not so good people.

Under what concept can you file a pay or quit notice when the rents not late?

Well, the reasons given generally fall into two categories - either tax benefits through an “installment” sale or obtaining an interest rate on their capital greater than what banks are paying.In my 45+ years doing real estate deals, I’ve found maybe once that the tax argument was considered by a seller; further the “greater than bank rate” argument is completely irrelevant because - the proceeds of a property sale were never going into a bank account, at least not most of the proceeds.

If you want your own home, go buy one. 

Good luck as you go forward.