@V.G JasonThe great MJ DeMarco says that you should become a producer before a consumer, and your statement highlights what MJ says.

Without the SSN the ability of the CRA (consumer reporting agency) to cross reference information is hindered. 

If your objection is time, expense and compliance issues, it's not clear to me this alternative is less expensive or time consuming, and likely is even dicier on compliance.

People saved money, bought a house in a neighborhood they liked, rented it, and held onto it forever.

IF it is consumer debt you have to work on your financial literacy first.

btw, are you the same Jay Hinrichs of "TRUE "WHOLESALE HOUSES" that was sued by the STATE OF OREGON-DEPARTMENT OF CONSUMER AND BUSINESS SERVICES DIVISION OF FINANCE AND CORPORATE SECURITIES? 

We have high personal income with no consumer debt, so conventional loans are typically more favorable and DTI hasn't been an issue.

We were particularly interested in this deal because it involved a light rehab, which is less complex and time-consuming compared to more extensive renovations.

The number is ticking up but Ohio is still fine in vast majority of cases - anything over loan balance of $110,223 (2024 limit) doesn't apply - since most DSCR lenders have minimums around $100k loan amount, barely affects thingshttps://com.ohio.gov/divisions-and-programs/financial-institutions/consumer-finance/guides-and-resources/loan-prepayment-penalty-and-adjustment#:~:text=Effective%20January%201%2C%202024%2C%20no,loan%20of%20less%20than%20%24110%2C223.

Would the interest rate change year to year or be locked in forever at whatever the federal rate was at the time of closing.