That was my concern too.

I was thinking that the banks might cover a first time buyer 3% fee but it makes even more sense that the government would do it too. 

So their want for protection actually protects you too. 

Hire a good home inspector to go over it tooth and nail.

I also have a vacant lot and a house that's running as a STR but I will tear it down and go new construction there too.  

And last 12-24 months they (banks) are starting to see the cycle getting a little long in the tooth and are tightening.And the more properties you acquire the lower they will want your LTV, but also lower the rate you will get quoted.Matt

Maybe it's a bit of FOMO too.

Engineering obviously with numbers, spreadsheets, creative problem solving, and my career in Aero was in corporate so just learning that kind of business structure helped too.

is this what everyone else is hearing too?

Good wholesalers sometimes have something that fits too.