Instead of having 4–5 separate conventional or DSCR loans, you'd have one lender, one payment, and one set of terms covering them all.Advantages:Simplified Management: One payment, one servicer, one maturity date—streamlines your bookkeeping.Potentially Better Terms: Some lenders may offer more competitive rates, especially for larger balances ($500K+), since you're giving them more collateral.Equity Leveraging: You might be able to tap into the combined equity of the properties for cash-out or future purchases.Higher Loan Amounts: Works well if individual properties might not qualify alone due to lower cash flow or appraised value.Things to Watch Out For:All Properties Tied Together: If one underperforms or has an issue, it can affect your whole loan—harder to sell off one property without the lender's blessing (unless the loan includes a release clause).Fewer Lender Options: Not all banks or credit unions do blanket loans.

I had good experience and will definitely consider future deals.Congrats on scoring a W.

So, if you fail to apply the correct assumptions to a property, your expectations won’t be met and it may even be a financial disaster.We use the following to rank Property Classes, in order of importance:Property Tenant Pool: closely linked to location, but not always.Property Location: closely linked to tenant pool, but not always.Property Condition & Amenities: it’s important to, “Maintain to the Neighborhood.”Key metrics for each Property Class:Class A Properties:Tenant Pool: Majority of FICO scores 680+, no convictions/evictions in last 7 years.

So, if you fail to apply the correct assumptions to a property, your expectations won’t be met and it may even be a financial disaster.We use the following to rank Property Classes, in order of importance:Property Tenant Pool: closely linked to location, but not always.Property Location: closely linked to tenant pool, but not always.Property Condition & Amenities: it’s important to, “Maintain to the Neighborhood.”Key metrics for each Property Class:Class A Properties:Tenant Pool: Majority of FICO scores 680+, no convictions/evictions in last 7 years.

Unlike traditional loans, transactional funding doesn’t care about your credit score - just your deal.

Try:Local credit unions or portfolio lenders (they often care more about the deal than your FICO breakdown)Smaller private lenders who focus on LTV and the asset, not your credit depthYou may need to provide more documentation (bank statements, tax returns, proof of reserves), but these lenders can be flexible. 3.

---Additional challenge & question:I haven’t applied for an E-2 visa yet, but I’d like to employ myself through our LLC so I can qualify for a business (E-2) visa, obtain a Social Security Number, build a U.S. credit score, and access better loans.What’s the best way to structure my role (e.g. as “Executive Manager” or “Essential Skills” employee of the LLC) to satisfy E-2 requirements?

Way to score a W.

So, if you fail to apply the correct assumptions to a property, your expectations won’t be met and it may even be a financial disaster.We use the following to rank Property Classes, in order of importance:Property Tenant Pool: closely linked to location, but not always.Property Location: closely linked to tenant pool, but not always.Property Condition & Amenities: it’s important to, “Maintain to the Neighborhood.”Key metrics for each Property Class:Class A Properties:Tenant Pool: Majority of FICO scores 680+, no convictions/evictions in last 7 years.

If that is not an option, you could get a DSCR loan under 8% rate with a no prepayment penalty or 1 year prepay assuming a credit score of 700 or better.