I had a local bank quote me the following in their loan estimate:Property: Duplex (investment)Location: New Hampshire (Strafford County)Appraised Value: $638,000Loan Amount (60% LTV): ≈ $382,000Rate Quote: 6% fixed, 30-yearLoan + Title Fees: ~$13,200 (includes a 2% origination fee) — excludes escrows/prepaidsFICO Score: 800+Note: Open to higher LTV for more liquidity, but 60% is where I’ve gotten the best rate so farQuestion:Does 6% with these fees sound competitive for an investment property cash-out refi?

My strengths include business development, CRM and sales optimization, marketing operations, and leading teams through complex, high-stakes environments.

If you don't have a recent wind mitigation report, it is always worth getting one to include with your quote request.

Familiarize yourself with the Fair Housing Act, which prohibits discrimination against people with disabilities, including those recovering from substance abuse.

After reviewing, we discovered a large portion of the work was actually included in the original scope.Here’s how we resolved it:Compared the CO against the signed contract scope.Negotiated the CO down to ~$7,500 (actual extras) instead of $18,000.Updated budget tracking to make sure no future “double dips” occurred.How do you push back or validate mid-project cost increases?

Concerning the competitiveness of the price I think it's pretty good considering I would be taking good care of my guests, all the bills would be included with a good plafond and considering all the furniture is pretty new and high quality.Thanks again for your feedback!

Kelly, DSCR loans have definitely been the workhorse for investors scaling past conventional caps, but they’re not a magic bullet forever.What I’m seeing:Terms are tightening compared to the last 2 years (higher DSCR requirements, slightly lower leverage), but capital is still flowing if the property income is solid.Sustainability depends on discipline investors who underwrite conservatively (real rents, not pro forma dreams) can keep scaling long-term.Creative structures we’re seeing include portfolio DSCR loans (rolling multiple properties into one facility) and bridge-to-DSCR plays where investors rehab with short-term debt, then roll into a DSCR takeout.At the end of the day, lenders want to see properties that can comfortably service debt.

We do a ton in FL including the Central Florida market, but you'll want to make sure you don't currently have a prepayment penalty on the DSCR loan.

Including land, utility hookup, road access.  

Check days on market and make sure there is room in the budget for holding costs and commissions if you are flipping and include about 10% contingency.