Long Term Asset Based Loans

[Beau F Borinstein]

Are there any long term asset based loans that qualify strictly off DTIR (debt to income ratio) along with maybe personal reserves? I currently am self employed for under 2 years and I currently own a turnkey rental business and use hard/private money but sometimes I have the urge on really good deal to refi into a better rate so I can hold these deals. Uncle Sam can't take if I hold.  I truly only understand conventional lending and hard money. Still trying to understand commercial lending to the fullest and the different avenues within that. So if you guys have some info, I would really appreciate it!