A 10% down DSCR loan might seem appealing on the surface, but many investors don't talk about what happens when rents drop, interest rates adjust, or the market shifts. You're left overleveraged, underwater, and with limited exit options. We've seen it firsthand—borrowers default, lenders take back the property, and years of effort are wiped out.

Scaling is great, but doing it responsibly is what builds lasting wealth. There’s no one-size-fits-all mentorship, but here’s what I’d focus on:

- Look for real operators with a track record through multiple cycles

- Avoid anyone selling dreams with no downside discussion

- Ask to talk to students—not just testimonials

- Consider partnering before paying $10K+ for info you might find via deals and networking

And if you're hearing 20% down consistently—it’s because that's where the risk tolerances sit for good reason right now.