Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.

Credit union or local financing – Often offer better rates or specialized home repair programs for members.A practical next step is to reach out to a local Buffalo lender for a quick pre-qualification.

Are you finding certain property types (SFR, 2–4 units, small multis, condos) getting easier or harder to finance through DSCR programs?

Underwrite today’s rent.If the property is already rented, use current rent.If it’s vacant, use the actual verified program rent for its current bedroom count.Not “maybe you can get 3-bed pricing once you add a wall.”Not “market comps say you could get more.”Reality only.2.

On the other hand, a comprehensive software program centralizes all your data, allowing for better integration, easier access, and ultimately a more cohesive management process.By adopting property management software, you'll have the ability to oversee all facets of your business within a single platform – from tenant screening to lease management, maintenance requests, and financial tracking.

Never signed up for his program, but you don't really need his software to do section 8.

I talked him with recently and was impressed with the programs they had available to investors. 

A quick and dirty way to find the best markets is looking up the section 8 voucher program and look at the highest tier zip codes in your area 

I've appraised for the housing authority ownership program.

You are not going to find any lender who is going to give you 5 to 10% down unless you go with some usda loan or other program but those take 6+ months to get approved