It just shows up differently today, and it works best with sellers who have real equity and lenders who are comfortable with subordinate financing.

https://www.cnbc.com/2025/11/05/in-a-volatile-week-for-inter...Mortgage demand pulled back last week as rates swung wildly, starting off low and then climbing sharply, rattling buyers.  

A 15 % down DSCR loan usually comes with a slightly higher rate or a few extra points than 20 %, but the difference varies a lot by lender.

Live in house hacking on a multifamily is always going to be the best way to start.

Three major Texas cities have been named in the newly released World’s Best Cities 2026 Top 100 rankings ...

Purchased 3 from a new home builder at fixed interest rates of 4.25%, 4.25% and 4.75%.

Albeit the rate was a bit higher since the client's DSCR was very tight on a portfolio to begin with.

Quote from @Anthony Nate: We talk a lot about rates, LTVs, leverage, and speed but the real question is this:What makes you immediately STOP working with a lender?

Early November felt rather slow with rates spiking higher and the holidays, but last couple weeks have been on fire. 

If you weren't living there you could get a dwelling policy that only covers the building (since the contents wouldn't be yours.).I would go with an independent insurance agent, because they can shop a number of insurance companies for your best rate, whereas if you just went with a "State Farm" or "Geico" type company you will just get their one rate.