On the other hand, if the tenant is required to hire a local company for trash pick-up, this house has a long, fairly steep driveway.

Definitely pick Wisconsin.

I used to pick up shooting victims on an ambulance over there and looked up one day and it was cool.

Pick a lender who can actually close on time, communicate well, and help you structure deals, not just quote you the cheapest number.

Also if there was anyone that's in Birmingham that i could pick their brain it would be fantastic.  

i generally don't think this is the right way to pick a market. 

Curious how other landlords here are structuring DSCR loans for growth.A lot of our investor clients lean on DSCR because it focuses on the property’s income instead of personal W-2 income.If anyone’s using DSCR to pick up more rentals this year, what has your experience been?

We picked the 5 year pre payment penalty to get that rate.

With new construction picking up again, I’m seeing investors asking about everything from construction-only loans to full build-and-hold structures.If you’re building this year, what’s your experience been with funding availability and requirements?

I’m noticing an interesting shift here in Columbus:• Inventory is finally starting to loosen up• Sellers are getting more realistic with pricing• Rents are still holding strong in most sub-markets• Small multis (duplex–quad) seem to be sitting longer than last year• But good value-add stuff is getting snapped up fastFrom what I’m seeing, it feels like one of the better windows we’ve had in a while to pick up small multifamily, especially anything with below-market rents or light cosmetic rehab potential.Curious what others think, are you being more aggressive right now, or staying cautious until rates move?