I'm currently seeking out portfolio DSCR loans or small business loans through local banks in order to tackle the remaining deferred maintenance and capital improvement projects but was wondering if anyone had other recommendations or ideas. 

You can always tackle the upgrades later once cash flow and equity improve.

Our concern is restarting the mortgage at a higher rate and larger balance, but finishing the ADU would immediately create $2,700–$3,200/month in rental income, improving DTI and helping us eventually rent out both the ADU and main house and then buy another primary.

I can do home improvement loans on owner occupied and non-owner occupied manufactured homes.Depending on the improvement, I also have options for units that are on rented or leased land.

I’m seeing more landlords restructuring debt to improve monthly performance — especially on older loans.

Scope of improvements included:Full interior updates: new flooring, interior paint, lighting, granite countertops, and updated appliancesAddition of high-demand short-term rental amenities: game rooms, custom bunk beds, hot tubs, swimming pools, and putting greensProfessional interior design and full furnishing to optimize guest experience and nightly ratesThese improvements were executed with the objective of maximizing long-term performance, increasing appraised value, and creating differentiated offerings within the Hot Springs vacation rental market.Refinance & Financial PerformanceUpon completion of renovations, we partnered with a local commercial lender to refinance the portfolio.Combined appraised value (ARV): $2,601,000Approved loan amount: $2,200,000 (cash-out refinance)After retiring the hard money loan, the transaction resulted in a net cash return of $300,470.51, which represents $118,181.09 more than our original down payment—effectively removing all invested capital from the project.TimelineThe full cycle—from acquisition through renovation and refinance—was completed in 174 days.OutcomeThe result is a portfolio of three fully renovated, amenity-rich lakefront properties, each now positioned to perform as premium short-term rentals with strong long-term appreciation potential.

Thanks in advance for any and all advice, connection, etc. as I am looking to continue improving myself, my business, and ideally the lives of property owners/ tenants. 

The gain would generally be the difference between the sale price and your adjusted basis (purchase price plus improvements).

We are an existing management firm attempting to streamline and improve our standard home inspections.

• ITV (Investment-to-Value)• Seasoning• Arrears• Borrower profileI’m always looking to improve my analysis and appreciate any perspectives.