With that said, I am wondering if I should wait about a year and a half, build my W-2 income (I've been working part-time while in school), and purchase my first multi-family property with a conventional loan.

On the podcast, Dave always preaches getting conventional 30 or 15 year financing to buy your rentals...which makes sense.

Since I tend to do the work myself, I want to be fair about it, but I do need to charge something as it took me a week to fix all that.   

A DSCR loan makes more sense than conventional financing when the property’s income is the primary driver of your ability to qualify, rather than your personal income or debt to income ratio.

I am in Cleveland and act as an agent in charge only for good clients, that can afford and will make repairs/improvements to their properties to meet Cleveland's bi-annual Lead Risk Assessment Certification requirements to obtain a rental registration/Occupancy Certification. 

How much of a premium would be reasonable to charge for the low interest rate? 

You can decide if you want to charge them 1/30th of a month’s rent, some nominal fee, or zero.

Four conventional, two DSCR refis, one DSCR purchase, one seller finance.

I am underwriting for a 30-year conventional loan with 25 percent down at a 7.0 percent interest rate.

Two of those were BRRRRs, rest were conventional buy and hold.