I would like to buy apartments in barcelona and fix them up and rent them out long term or flip them. 

It takes longer than making a quick buck selling the property, but the long-term results can be substantially better. 

Once you and the buyer's agent agree on terms, the buyer's agent will write a contract and send it to Jeff's email, which he then signs and forwards to you. 

Brokers can save you money by ensuring you get the best rates/terms, not to mention time savings and surety of close.

DSCR rates and points are likely going to be competitive with the other options if you are thinking long term and don't mind slapping a 5-year prepayment penalty provision on itI think the answer to your options are clearly just model out the total cash flows and projections of each scenario and compare.

If it were me, I would get a private money loan and use that money to buy more properties, maybe a mixed bag of flips, short-term rentals and long-term rentals. 

I have several short-term rentals down here & am an STR expert in the area.

What terms are they offering?

Property is cash flowing and we have long term fixed rate debt.All good.

If you drive through the other towns, it's apples and oranges in terms of amenities, the architectural detail of all the properties, the feel of the place, and the things they have built into the town of Seabrook.