Traditional banks tend to not have this product.

Hi Vincent, There are lenders that offer a DSCR product for an applicant that hasnt owned any real estate.How is your credit?

They are products of your brain trying to protect you from danger but in reality, there isn't any danger.

Anyone have any products that wlll refi these smaller loans?

After well over 1000 houses it’s proved it’s worth.BUT if you think sugar coating will work sprinkle sugar all over the conversation. certainly nicey nice communication and unabashed laughter will get you elected but it won’t buy many houses. our product is money and we best not forget that. there’s a power exchange happening in every conversation and the one who blinks first fails unless winning isn’t important.  

Got some IO and also 30 year amortization for some of the BTR product we have acquired. 

Yes, it is a paid product, but it is worth every penny.

You should definitely check out Avery Carl's BiggerPockets book "Short-Term Rental, Long-Term Wealth" https://store.biggerpockets.com/products/short-term-rental-l...There is a lot of amazing insight into everything to think of while operating an STR.

HELOCs are very much a short term product, because the interest rates can go up precipitously, they have been called due in past credit crisis situations.  

Fracting increased the productivity of our purchase resulting in over 50% of investment being distributed in our first year.