BLDC & IDA Economic Development Programs The Binghamton Local Development Corporation offers low-interest loans for building purchase, renovation, equipment, and startup costs (binghamton-ny.gov).

See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy + tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.

Quote from @Zachary Russell: Are there any DSCR programs for a 5 unit apartment building?

Is there such a software program out there?   

We engaged an SEO specialized to create, manage, and monitor an SEO program CUSTOM designed for our business.  

Hi BP Community 👋🏾I’m exploring sober living investing and came across the Sober Living Riches program by Andrew Lamb.

My day job involves helping public agencies—mostly school districts—upgrade their HVAC, lighting, and mechanical systems through large-scale, design-build projects.

And you will know it's time to bring the thought of syndication forward on the burner when you have been approached and asked by multiple persons about how they can get involved, be like you, do what you do.

There are programs out there that do NOT penalize you as a foreign national at all with DSCR. 

Look for lenders who have experience with FHA or conventional loans on 2–4 units and are familiar with layering in assistance programs.