I've had 3 different borrowers send me the same article about the direction of interest rates.

Buyers look closely at the borrower’s profile and DTI, the state where the property is located, the remaining term on the note, and how the interest rate compares to current yield expectations.

You cannot borrow from your own IRA.

So, many things may have changed with regard to the borrower's circumstances and the property that what has actually happened (seasoning) tends to be much more valuable to me than infomation gathered decades ago in an effort to predict what would happen (underwriting). 

Some lenders use in-place rent, others allow market rent via appraisal. Which approach has made or broken deals for you?

I am borrowing all the money to start out, 375k in a bank loan and the 125k down via home equity line of credit against my current home.

I have some reservations about borrowing against my home as I am the only person with an income in thr household.

Once the asset has seasoning, improved rents, or additional value creation, lenders may look at the property differently under bridge underwriting.At that point the financing conversation shifts from borrower income to asset performance and future value.In other words, the property becomes the primary credit driver rather than the borrower.I’ve seen situations where investors used this transition to:• unlock additional capital• reposition a property• fund renovations or expansion• prepare for larger permanent financingCurious if anyone here has used a DSCR structure as a stepping stone before bridge or asset-based financing.Would be interested to hear other experiences.

Others might want 12 month trailing STR income, which as you might expect, can be tricky on a purchase if it hasn't been used as a STR in the past.Even with the uncertainty, with a borrower profile like that, as long as it meets loan amount thresholds then you should see low 6s.

If I were to sell the condo to buy a similarly priced property (ca $700K) I would have to borrow about $380K-400K at today's significantly higher rates (6.5-7%).