HML/DSCR for BRRRR Scaling

[Tony Pellettieri]

We are currently in the process of preparing to close on our 3rd Investment Property. Originally we planned to Fix/Flip/Sell houses in our farm area using all of our own cash. We are now looking into HMLs for Acquisition, Paying Cash for Repairs, and DSCR Loans for Refinance to scale quickly and start building a portfolio of long term income generating properties in 2024. Just have a couple of questions...

When getting a HML, is it possible to just make the interest payments while we complete repairs/rent out?

Can loan points/fees be rolled into the loan to reduce down payment on HML?

If you have the cash, is it better to not finance repairs using a HML? Since you won't have to wait on draws, inspections, etc..

For a DSCR Loan, Is the ARV they will lend on calculated similarly to a Conventional Loan? Using Comps, doing an Appraisal, etc?

If we're able to close/rehab/rent in a period of 2 months, Is there a minimum seasoning period before we can Cash Out using a DSCR?

I'm assuming DSCR loans can be issued to LLCs and other Entities... Is there a limit of loans you may hold at any given time?

We will be done remodeling our 1st and 2nd Investment properties, we originally planned to sell, in about 4 weeks. We are now considering turning them into rentals and doing cash out DSCR. We will likely need to get 3x DSCR loans in a short time frame.

Looking for some advice to help us determine the best way to move forward... Thanks!