Here’s what a thorough screening should include:Credit Report – Offers insight into the applicant’s financial reliability.Judgments & Liens Search – These no longer appear on standard credit reports, so they must be pulled separately.Eviction History – Crucial for spotting prior lease violations or payment issues.Criminal Background Check – A nationwide search provides a broader safety check.ID Verification – Confirms the applicant is who they claim to be.Income Verification – Instead of relying on potentially manipulated pay stubs, this option pulls actual bank deposit data over time to confirm income stability.You're on the right path—just keep building your processes, and don’t be afraid to ask questions along the way.

If you’re buying property in Mexico, you need more than a great realtor.You need a bulletproof legal verification process.Here’s the exact due diligence checklist we give our clients — based on over a decade of cross-border transactions:✅ 1.

Based on other similar scenarios, most lenders will require verification that you currently do not occupy the property and don't plan on occupying it. 

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

When starting on Airbnb, it will be impossible to implement this rule to verify age because it's against their new policy to discriminate based on age.

They let you scale without income verification, and if the deal performs, the higher rate is often offset by the ability to keep acquiring.

PITIA (debt coverage)No tax returns or income verification — just property cash flow, credit score, and reservesGreat for experienced investors who want to scale without personal income limits Documentation You’ll Likely NeedHere’s a standard set of docs to prepare for either commercial or DSCR-style financing:Property-Specific:Rent roll (current leases, even if month-to-month)T-12 or last 12 months of expenses (if available — pro forma if not)Purchase contract and seller disclosuresAppraisal (ordered by lender)Borrower-Specific:Credit report (680+ usually needed for DSCR, higher for bank loans)REO schedule (all properties you currently own)LLC docs (if buying in an entity)Resumes or investing experience (especially for first 5+ deal)Optional but Helpful:Market rent comps (if you’re planning to increase rents)Rehab scope & budget (if value-add)Exit plan (hold/refi/sell — some lenders like seeing your strategy) Quick Tips:DSCR lenders have varied criteria, so shopping lenders is key (some want 1.20 DSCR, others will do 1.00)Start prepping your property package now, even if you don’t have an accepted offer — it speeds up approvalsIf you plan to BRRRR or refi later, make sure you’re buying at a price where improved NOI justifies the future valueHappy to help you put together a sample loan package or connect you with lenders who work with 5–12 unit properties all the time.

I had one guy at BPCON24 tell me he was crushing it there, but I have no verification besides his word, and I was shocked. 

.🏘️ Why Investors Love DSCR Loans✅ No personal income verification – perfect for self-employed or full-time investors.✅ Faster approvals – less paperwork, more deals.✅ Scalable – ideal for building a portfolio of cash-flowing properties.⚠️ Things to Watch Out ForHigher interest rates than conventional loansLarger down payments (often 20–25%)Property must cash flow well—no fixer-uppers unless already stabilized🧠 Pro TipBefore applying, run your numbers carefully.

We have found an old farmhouse on and acre and a half that we wanted to purchase and fix up over time while we used it to visit our aging parents then eventually (5-10+years) sell or rent it out.