First is the down payment, this varies but for your first time it can be sub 5% for a owner occupant loan.

Unless you’re your strategy is using the BRRRR system, DSCR loans don’t make unless you are maxed on residential loans. 

I realize that is another revenue stream, but that seems like that would take your focus away from the larger paydays. 

@Erik Breunig  What was problematic with the loan terms?

4 unit off market property We found the property and no realtor was involved Purchase price $450,00020% down( 90,000) We are going through a broker Our loan product is a DSCR loan 30year fixed with a 5 year pre pay penalty.

I am buying my first property this upcoming Monday.I have a student loan balance from dental school above 400k with an interest rate of 5.875%.

We are using a DSCR loan. 30 year Fixed.

I have a student loan balance above 400k with an interest rate of 5.875%.

VA loan is an amazing program for all the reasons you pointed out earlier. 

However, we put little down, so our equity isn't much.I was going to try to get a personal loan, but the amount is too large for me to get.