That seems to knock out a lot of the typical DSCR products.To complicate things a bit, my DTI would not qualify me for conventional or personal mortgages, which is why I’m focused on DSCR or other asset-based options.Are there lenders out there with DSCR products below the $150K loan threshold?

This will necessitate the production of a Private Placement Memorandum (PPM), Operating Agreement, and Subscription Agreement.

The S&P 500 index returns on average 10% per year. 

How I try to help here (no pitch):- Side-by-side numbers: DSCR vs full-doc, points vs temporary buydown, refi vs HELOC- Underwriting clarity for self-employed/1099 borrowers or specialty investment products. - Contract-timeline planning so closings hit dates (what to do week-by-week)Useful details to include when you ask me a lending question:Purchase price, est. rents/STR comps, credit range, down payment/reserves, target payment, and timeline.

Delivered a great product to a happy customer who is now renting the property for STR.

A typical securitization is around $100 million.Now consider the math: you could reach $100 million with 2,000 loans averaging $50,000 each, or with 400 loans averaging $250,000.

Both figures are near the 6.5 months that the Texas A&M Real Estate Center considers a balanced market.Homes spent slightly longer on the market, with Austin averaging 66 days (up 6 days year-over-year) and the metro averaging 68 days (up 7 days).

Affordability is for sure a huge player both on the investment side and the tenant side, but ultimately I'm still finding that a premium product or offering is still fetching a premium price/renter.

-The single-family average price was statistically unchanged at $422,703.

The turnaround is fast — often just a few days from application to closing — and on average it only runs about $10K out of pocket per closing.