We have acquired some of this debt and the rates are anywhere from 10-15% and 2-5 points at origination with interest prepaid.

If you are trying to maximize cashout many programs nowadays ask for 4 months of PITI prepaid which reduces your cashout, so finding a program that doesn't ask for that is basically equivalent to an extra 2-5% cash at closing.

@Tony Thomas  Points, discount or buy down are all the same thing, and that thing is simply pre-paid interest.

Out of their Mom's basement and porn hub subscription paid by prepaid debit cards.  

However, 80% is typically available as a rate/term aka limited cash out refinance (cash out just being used to cover closing costs and prepaid items like taxes/insurance).Your phenomenal DSCR is just a cherry on top. 

Rent is always pre-paid, not paid in arrears. 

There are many loan officers who will intentionally lowball all the third party costs and prepaid items up front so their estimate will look more appealing.If you really want to compare multiple lenders then you just need to focus on the part of the transaction that the lender controls. 

@Hetal Patel Prepaid insurance and property taxes, and prorated mortgage interest on the closing statement will be deductible on Schedule E.Most other closing costs are added to basis and depreciated.

I have seen people buy non-existant properties, bottom of lake (literally underwater), slivers of land too narrow or small to do anything, Army bombing range, expired leases, cell tower now removed, property with 30 year lease and prepaid rent for 30 years, condemned buildings, toxic waste sites, land under railroad tracks, cliffs, landlocked property, wetlands, flood zone, unbuildable property, endangered species habitat, ....I have three rules for buying at Tax Sale:1.

Using your throw-away prepaid credit card of course, to protect your credit, and complying with the contract terms -- I find teasers sometimes do indicate whether the subsequent seminar or product might be worth having your company purchase.