- 750 hours per year of HANDS-ON real estate work.Hand-on means doing some tasks for which you would pay other people.

And we haven’t done business with her.  

I’d recommend local community banks or credit unions; many still do 20% down with faster underwriting.

What I’m trying to understand is: which platforms do real-estate professionals typically use to perform REP-eligible activities/work?

That's what I would do.  

They will do so much better in the long run. 

We don’t just process rent—we create connection.This month, that connection turned into something remarkable:We featured a long-time tenant in our first Tenant of the Month newsletter.She’s been resilient through serious health challenges—always communicative, always accountable.One of our owners, moved by her story, stepped in to cover her rent as a gift—on her birthday.This is the Ripple Effect of Kindness in action: strong tenant relationships create stable properties, happy neighbors, and owners proud of their investments.Building wealth isn’t only about numbers on a spreadsheet.

So yes, in my opinion, you probably are doing it wrong.

  :)BUT you do have to be able to afford the new larger loan monthly payments!!! 

I have always been curious about why some investors care if a DSCR loan is reported on your personal credit?