I was about to close on my first DSCR loan but walked away from the closing table when presented with the note and mortgage.

If house hacking is off the table, the two paths I see work most often are:partnering with someone who has capital but needs hustle, ortaking on value-add projects where sweat equity creates the spread (small BRRRRs or light flips).If I were starting over, I’d focus on learning how to find and evaluate deals.

We have chatted about pursuing properties together so that we each are able to bring funds to the table as well as accelerate the process as we work together.

So while I can move fast, I think the most important thing is bringing funds to the table when you've committed to do so.  

I saw your intro and really liked how you’re leaning deeper into the capital side — that’s an area a lot of investors need clarity with right now.I work closely with investors myself, especially in small multifamily and value-add deals, so I’m always looking to build solid relationships with people who bring real knowledge to the table.

Did an amort table for the following info. 

What I think is nuts, is when a promoter says you can buy a house off the MLS for full price, borrow the closing cost money from a "gator lender", close on the kitchen table using SubTo., and hide title under a trust.  

Here are a few brainstorming ideas:Outdoor LivingMust have potential for high-impact features like fire pits, hot tubs, dining areas, or outdoor games to significantly boost appeal.Views & ProximityProperties with desirable views or close proximity to water, nature, or main attractions offer an enhanced guest experience.Premium Interior FeaturesPotential for dedicated game rooms, high-speed Wi-Fi, or comfortable dedicated workspaces to cater to diverse guest needs.Easy ParkingAdequate and convenient parking for the expected guest group size is critical for convenience and securing 5-star reviews.Garage to Game Room ConversionIf driveway parking is plentiful, converting a garage into a functional game room or extra living space offers amazing added value.Noise & Light AbatementEnsuring quiet enjoyment of the property through noise reduction measures enhances guest comfort and prevents issues with neighbors.

In short, inflation is cooling, the labor market is softening, and consumer spending is holding up, an expected reflection of monetary tightening and cyclical slowdown.Rate Cut DebateA divide has grown further among members of the FOMC heading into their December meeting, where a rate cut remains on the table.

Normally, to do what I want to do, you would need to have about 20% down (150k), but because I'm going to live in the property I only have to come with 3.5% to the table for the property.