To help better understand DSCR loans and what goes into rates and programs, please see below: DSCR loans won't use your income to underwrite the loan. 

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.

There are lots of real estate training programs out there.

I’ve seen it happen too many time where all the rehab is financed on credit cards and it severely reduces loan programs.

Great to consider your options, especially when you have an awesome down payment assistance program. 

My husband and I have been studying real estate investing for the past two years with a great coaching program we paid for in 2024.

DSCR programs are usually the best fit for a cash-out refinance on investment properties.

Our "as-is" program.

These programs qualify based on the property’s rental income rather than your personal income, which helps investors scale without hitting DTI limits.

@Melinda EiltsFor my flipping business, I prefer to use fewer software programs to streamline things.