As with any loan the loan to value (how much you are putting down), credit score, unit count, loan size, purchase/rate term refi vs cash out all effect the rate pricing.

University housing boards and student Facebook groups have been especially effective from what I’ve seen.

Drew, in my opinion, two effective ways to find multifamily properties are 1) Working with an experienced local agent 2) Networking at local REIAs and investor meetups where many deals are shared off-market.Regarding your team, your lender does not need to be in-state but must be licensed in Georgia.

Owners Pro-Tip: Test your agents by having your friends periodically call and ask questions related to your property and listen in to hear how your property is being represented.Its simple, its effective and could potentially save you $1000's on the time it takes your property to close escrow!

@Martin PennYou are absolutely right, putting the emphasis on saving and building your credit now is a good and most likely effective way to enlarge your buying power when the moment comes.

Tenants effectively have a "right to renew" unless you can prove specific "good cause" (like non-payment or lease violations).

You might want to follow @Russell Brazil He is an agent who has used BP very effectively. 

This makes it difficult to know which specific year will be the one evaluated against a 1.25 DSCR requirement.To account for this, I’ve been treating a smoothed 1.15 DSCR as effectively equivalent to a 1.25 DSCR in years without major CapEx events, since the actual cash flow in those years would be materially higher.Is this a reasonable way to think about DSCR risk and lender underwriting, or is this logic off-base?

Here's the breakdown of my basic observations after ~2 weeks on each solution: Guesty Lite: - $39/listing/month (unclear if this includes standard 1% commission)- Superior iOS app (faster, locally cached, better organized)- Cleaner guest portal- Targeted to smaller portfolios (1-3) vs Pro (4+) - Clean HUD/dashboard for checkins/reservations- Excellent message automation that links automations in a templated flowchart design (best I've seen)- Awful analytics, similar to GfH (upsell to Guesty Pro)- Dynamic pricing, damage protection, lock management, liability, and outsourced communications (unique) all relatively expensive (aligning to Guesty's overall penchant for chasing ever-expanding upsells)Hospitable:- More third party integrations- Comprehensive analytics- Customizable dashboards are nice - Useful in-app/site help tours- iOS app is effectively a responsible website (slow, uncached, voids iOS design rules)- Messaging rule management can feel cluttered (dozen-plus rules to start?)

Quote from @Eric Blair: Although I think it’s good to give homes to actual citizens, I seriously doubt deportations have had any effect on housing prices at all.