Other fees may include appraisal, processing, application, etc - so it's good to know these details up front before you decide on a lender based on interest rate alone.Also, keep in mind if the lender is a Broker or Direct Lender (brokers bring deals to direct lenders and add their fee on top of what they would charge = more expensive for you).

I’m basically stuck at the jump-off point and I’m not sure which direction to head.

Besides November and April, I'm expecting the occupancy rates to be similar to what we have seen so far.Please feel free to reach out directly with any questions.Mike

Yeah for the time being I’m just trying to reach out to people I know/bigger pockets people to see what I can learn/do to take a step in the right direction.

For Angelo, are you guys scouring the MLS or are you using direct mail, driving for dollors, etc?

@Albert Bui might have some more detailed and specific information for your situation if you reach out to him directly. 

If there is equity, you could look at purchasing directly from the owner (who is likely a distressed seller), or purchasing the note from the hedge fund and pursuing DIL or FCL yourself. 

Give me a call on my direct line, which you should be able to get from my profile.

I love that you used the term "unbalanced" lol Of course your debt-to-income is unbalanced...hopefully it's leaning towards the right direction!

I know similar questions have been asked a million times so if there are any other posts please direct me to them!