Some recent investment property 30 year fixed financing transactional examples :- 20% down conforming Jumbo at 6.625% with .25% in lender costs and a lender credit - $7500 seller concession - 20% down conforming Jumbo at 6.875%. with 1% in lender costs and a lender credit - $15K seller concession - 20% down conforming townhome at 6.375% with .5% lender costs and a lender credit - 2% seller concession- 15% down non conforming at 6.875% no PMI with 1% lender costs and a lender credit + 1 year PPP  -10% down conforming jumbo second home loan* at 6.75% with .75% lender costs and lender credit  - 50% down confirming at 5.625% with .5% lender costs and lender credit - $5K seller concession - 20% down conforming super jumbo at 6.875% with 2% lender costs and small lender credit - 2% seller concession In the majority of investment property transactions his year we have been able to negotiate seller concession of 1-2% to cover all or the majority of closing costs and prepaid items. 

Originally posted by @Buddy Holmes:I attended a recent webinar where a syndication principal was cautioning about the 1031 exchange ability of LP and LLC entities.He was saying the they must have a TIC form in order to conform to the 1031 rules. 

Most DSCR (Debt Service Coverage Ratio) lenders do not use the same credit models that banks and conforming lenders use for traditional mortgages.

. • Zoning/legal: Lots of “legal non-conforming” 3-flats—confirm unit count with the Certificate of Zoning Compliance.

And, always remember, real estate investing is about making money, not conforming to property type dogma.To identify a tenant segment that stays many years and pays rent on schedule, ask multiple property managers this question: "If you wanted to buy rental properties where tenants stay long-term and pay reliably, what and where would you buy?"

If you are getting a Conforming, VA, or FHA loan, it's going to have an impact on your DTI, no matter what happens on your credit report. 

On Conventional conforming loans and Govvy loans, there are established LLPA tables that show exactly what the pricing difference will be at each tier.

That said, I do know of a multi-unit income property on Maui with better returns than that, but--shocker--it has some non-conforming aspects.

When defaults rose, the entire system froze, amplifying the collapse.DSCR market today: Still a small niche compared to conforming Fannie/Freddie loans.

Despite global tensions, rents remained reasonably stable.Rentals - Availability by MonthThe number of homes for rent increased MoM in July, conforming to seasonal trend.Rentals - Median Time to RentTime to rent increased MoM (from 20 days to 23 days), but remained healthy.Rentals - Months of SupplyThere are only 1.2 months of supply for our target rental property profile.