There are a handful of lenders that can do 90 LTC, however you need to have a lot of experience, has to be a cookie-cutter clean deal, and you also need to show cash reserves.  

We're currently working on a 69 unit deal that we're going with a Community Bank on.  25 year paper with a 1 year I/O period for stabilization timeframe.There are no cookie cutter or "traditional" ways these are done. 

@Drew Sygit-Zillow shows a duplex on same street(cookie cutters) @ $1,300/month but is not as updated inside as the property I'm interested in so imagine I can get a bit more.- I used an estimate for taxes/insurance using ChatGPT data but need to check County Assessor-Not worried about Section 8- simply uneducated on any requirements above/beyond a typical tenant and how to go about keeping tenant and later increasing rent w/ S8. 

If it's your cookie cutter rental, DSCR, all day. 

I think the VAST majority of successful evictions are for failure to pay and those evictions should cookie cutter and simple to handle for the most part.

Those cookie cutter Mickey or Harry Potter rooms don't cut it any more.Don't overlook the pool area - South or West facing pools mean more sun.

Instead of picking a cookie cutter plan, actually hire an experience architect to design a house that makes sense for the lot.

Quote from @Ko Kashiwagi: Hi Michael,10% down is widely available with good FICO scores and cookie cutter deals (rehabWhat kind of deals are you looking at? 

You need to establish what your goals are and start working towards them.This means not using simply cookie cutter advice, because your situation is likely not going to be cookie cutter.

Some may tell you that you can systematize anything, but the problem is, every individual home is different (even the newer cookie cutter neighborhoods).Focus on two or three neighborhoods and know what a good deal looks like in those pockets.I would also temper your expectations as far as finding a lot of equity on MLS.