Also looking to build a solid Long Island based team (Agent, contractor, lender).

There is no point refinancing the almost paid off property to buy another-just get a mortgage on the new property.hard money lenders are going to charge you a higher interest rate.

Can anyone on this thread recommend a DSCR lender who allows Padsplits?

THe lender is a credit union and it is a conventional low rate loan.

From investor friendly agents, lenders, escrow companies, anyone for a new wholesaler and soon investor. 

It seems to be focused in being a broker of COGO Capital loan programs or other private lenders within the Capital Syndicate network. 

Lender does not look at your income, just your FICO and they want to see rental income.

There are also a lot of different options in real estate to single family residential, multifamily, commercial, NNN and then being on the debt side of being the lender which has cash flow but not appreciation. 

Years later it was revealed that the guru had never disclosed the fact that he was getting kickbacks from the recommended lenders, brokers, maintenance contractors and others he insisted the program participants use.  

Alternatively, I could explore hard money lenders.