The lenders I work with do not allow gift funds since its more risk to the lender as the borrower has less skin in the game.

@Caroline GerardoI had one in as a lender where borrower passed away went through probate and granted to child who filed BK to avoid foreclosureIn this instance deed was transferred even though child not on loan documents still got wrapped up in the mess.

Lots of borrowers did these DSCR loans on STR, investment properties and etc. 

I just came across this article about the apparent increasing pressure for reliance on them to save the borrower money.  

Me, as the entity borrowing need to have some experience and of course 25% down - for me this was possible since I am doing a 1031My suggestion for the OP is to talk to a commercial loan broker.

I have borrowed from friends and they put a second on my house. 

Really think about your math; how is that 80% ltv.The value is $370, so the total borrowed against it can be maxed out at $370 x .8 or $296.

Instead of its previous goal of reaching as many Americans as possible, the company will now focus on home loans for existing bank and wealth management customers and borrowers in minority communities, CNBC has learned.2.

I’m starting to understand why BRRRR is so valuable however I am confused on why you can’t borrow against you investment the same way in a “traditional” investment as you would the BRRRR method.

If a borrower defaults, at a certain point in time, the bank forecloses (All things being equal).