DSCR loan without clear title?

[Kristi K.]

I have a property that I bought on Dec 6 2021 at a tax sale for $70K in Shertz Texas. I put $64K into it, new roof, upgraded to 200 amp electrical, rewired 100%, all new plumbing, beautiful original hardwood floors sanded and polyurethaned, tile in bathroom and laundry room. It appraised for $270K but that was last July at the peak. I am keeping it as a long term rental and they moved in July 1 2022. I want to take a DSCR loan out on it but the lenders I normally work with won't do it until two years after the day I bought it because my title company won't give clear title until after two years EVEN THOUGH the rights of redemption for a non homestead home is only 6 months. I'm not desperate but I have a lot of equity there that I could be using for some other money maker. Any DSCR lenders out there that will do it without title? I'm not willing to pay hard money interest rates.