I already own an investment property and I'm looking into financing options to fund renovations/improvements to the property. I'm specifically interested in DSCR-based financing, or other investor-focused loans that may work with fair or less-than-perfect credit.

I’d love to hear from anyone who has actually gone through this process:

- What credit score did you qualify with?

- What lender or broker did you use?

- What interest rate and terms did you receive?

- Did the lender consider the property's current value or its after-repair value (ARV)?

- Were reserves or seasoning requirements an issue?

- Were there any major fees, points, or closing costs?

Most importantly, I’m looking for recommendations for lenders who work with fair-credit borrowers and will finance renovations on an existing investment property.

I’m not necessarily looking for the lowest rate. I’m more interested in finding a lender that is flexible on credit and has experience with renovation financing for existing investment properties. 

If you’ve personally used a lender that fits this situation, I’d really appreciate the name or a DM. Thanks!