Verifying last 2-years of rental history and income/employment extremely important to find the “best of the worst”.Tenant Default: 20-30% probability of eviction or early lease termination.Section 8: Class D rents meet program requirements, often challenges to pass Section 8 inspection.Vacancies: 20%+, depending on market conditions and tenant screening.Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciation.Where did we get our FICO credit score information from?

I hit a snag and need lender intel:I’m looking for a DSCR cash-out refinance program to pay off my hard money loan (or similar financing) that will allow me to use the appraisal value only to determine LTV — not the lowest listed price.

Also, many investors go with a 30 year fixed DSCR option, not a 5-7 year balloon payment if we are discussing 1-4 unit or 5-8 unit DSCR programs.

The dominant amenity might be a lake, trails, glamping units, or even community-driven programming, but the takeaway is the same: you’re underwriting an operating business, not just dirt.

Eventually I'd love to open a non profit and use rentals as part of a program for youth aging out of the foster care system, like independent living.What are your goals in the REI space? 

My coaching program, “Mi Primera Casa en EE.UU.”, is designed specifically for overseas investors.

I’m currently sworn into the Delayed Entry Program and will be shipping out soon.

I’m currently sworn into the Delayed Entry Program and will be shipping out soon.

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.

This means I can shop the entire market to find the best rates and programs for my clients - not just what one bank offers.