Seasoning for conventional loans is 12 months, but DSCR is really competitive right now and YMMV on seasoning for those.

Does seasoning start when the property is bought? 

Generally, the only widely available pathway into RE investing with low cash is via househacking where you get a primary residence loan with a very low downpayment.

✅ No risk, no cash out of pocket✅ You work with, cooperate with, the homeowner instead of negotiating against them✅ No tenants and toilets✅ No maintenance or repairs✅ Short-term deals with sizeable assignment fees✅ Those fees can fund long-term strategies like buy-and-hold or fix-and-flipIf you’re an aspiring investor looking for a low-cash entry point into real estate, Cooperative Assignments are an effective strategy.  

I took on some debt to prep the property and hope to pay it off this summer—our peak season with lots of river and swimming traffic.It’s a 3-bedroom that currently sleeps 6 (king, queen, and a queen sofa bed).

DSCR is not low money down or low money into a deal.

Lowe's just came out with their biggest appliance sale of the year- up to 40% off.

Financing Your First Flip with Low CashHard Money Loans (HML): Covers most costs but requires 10-20% down, with 10-12% interest.

You could have just caught the right breeze, or the low rates might have given you a spurt.

The behemoth cabins in the Smokies are super cool, but other than high season, it's mostly weekends.