DSCR ratios and program guidelines can vary by lender as they set their own guidelines as a company.

How would a computer program/ app/ AI/ google possibly know the correct price for specific work completed or even materials?

Then refi into DSCR using appraisal market rent (I have program if cash flow is negative, not worried about that) and then after the DSCR loan closes, then they put up the walls to make it padsplit.

She responded by saying heck-yeah, no problem, just apply for the management program and she'd love to train-up all the managers possible!

Also, I have very little money to non, not great income and considering going FHA, etc with applying to local down payment assistance programs.

One of my friends is a real estate agent in Panama City so it was a great opportunity to see him.When we saw the program of the trip, it was fairly obvious that the trip was organized in a way that we would only have the time to talk to people linked to the developer or the deal instead of taking to other independent professionals.

I’m in the PAYE repayment program where your payment is based on your income.

I don't think so, nothing against him, there's just too many programs out there.

In all three of these scenarios, the perpetrators are very aware that their victims are unsophisticated and target them due to their lack of sophistication, just as the syndicators do - someone with an MBA/finance degree, who works in real estate finance, who understands risk, and who understands there is no such thing as easy money does not reach out to the syndicators.

@Mike Grudzien Happy to help on an DSCR and we also help train brokers in this program so they can speak on & guide better on it, Great product to have.