Many investors use DSCR loans.

Hi all,I bought a single-family rental in Texas under my personal name with a conventional (non-FHA/VA) loan.

The refinance loan is the liability on LLC #2’s books.3.

The owner had $1.35 million of high interest mortgage debt (hard money at 13%) as was looking to refinance the loans (each building had its own loan) in default.Building one had main road access, was 12,000 square feet, 90% occupied, rent roll $216,000 annually, with about $40,000 annual operating expenses.  

Not a bridge loan, but I have used a HELOC to buy a property.

You could use a fix and flip loan to handle the purchase and renovation part, and then refinance into a DSCR loan once it's ready to rent. 

Hey Elmer, congrats on getting approved, that’s a big step.A few things to keep in mind when you’re combining an FHA loan with a line of credit:1.

Looking forward to hearing how others are approaching note buying in 2025.Spent the better part of the last 4 months trying to get a handle on the risk adjusted return for our arena; which is the commercial mortgage $1 million - $5 million loan where the borrower doesn’t qualify for institutional financing.  

@Andrew SteffensNo lender is going to take a mortgage on an overseas property because they don’t have the infrastructure (nor the willingness) to try to repossess the property in case of default and even the largest international banks won’t do it.You might hear that somebody in the US got a loan in the US to buy a property overseas but that could be because they gave a US property as collateral or any other collateral or it’s a company that has a strong balance sheet and took an unsecured loan but that would likely defeat the propose of the original poster.If you know of any lender who takes an overseas mortgage as sole security for the loan, let me know as I’d be very interested but  I’ve worked in the banking industry across the work for many years so I know that, if ever there was any, it’d be more the exception rather than the rule. 

I bought my first multifamily in Puerto Rico in February 2025 using an FHA loan.