Age itself isn’t what drives interest rates — it’s more about credit profile, income stability, debt-to-income, and the loan program used.

There are DSCR loan programs that allow a HELOC to be used- there's specific rules around it and it's best to talk to a mortgage professional to check on DSCR program guidelines as they vary by lender.

It is excellent that you are prioritizing saving for retirement through your employers program.

Other names mentioned were Kenny Bedwell at STR Insights and Bill Faeth’s coaching programs.

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.

There are a few programs available that might help in your situation.

@Amanda King  here are some best practices for you to followRecommended Best PracticesWritten Relocation Notice  I would provide tenants with Dates/Times of tenting, how long it will be uninhabitable, rent proration method used, relocation assistance program terms (Caps, reciepts, deadlines,) and deliver my certified mail, email and posted on the property at least 10 days before tenting.Standardized Assistance FormHave tenants submit, Name / unit, Contact info, Hotel receipt(s), Signature acknowledging termsClear Assistance TermsDraft language such as:“Landlord agrees to provide relocation assistance limited to actual lodging expenses incurred during the pest control displacement period, with original receipts, up to $200 per night for a maximum of 2 nights per household.

Some DSCR programs do allow 15-year terms, but they’re much less common than 30-year options and usually come with higher payments and stricter ratios.

I do not have any experience with this company but in most instances, owners run into lots of limitations with the software/program and wind up hiring a PMC.

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.