Now all you have to do is get there contact info and solve all there finance/credit/debt problems.

To avoid problems, it’s best to add these locks after the appraisal on a turnkey purchase or after the refinance is complete.Also, most DSCR lenders will assess the property’s market rent as a single unit rather than the combined rents of individual rooms.

And for vast majority of persons delayed debt payments results in accruing debts, because they find they have less left to pay down than hoped.

To me this is a combination of things.

@Mary LopezNot sure if you're still looking for debt, but credit unions are a great place to look right now in this part of the market cycleGino

While your properties hold significant equity, adding debt from HELOCs or a DSCR loan could strain your finances if STR performance fluctuates or costs rise.

Some lenders offer this option, while others might prefer to handle each property individually.It will come down to the lender’s criteria, such as combined value, rental income (if applicable), and your financial profile. 

This aligns with your financial situation and helps mitigate risks associated with high debt-to-income ratios.

What makes it tough in the beginning is your rental income is not established so you need to be able to handle the debt not using rental income. 

Lease options are the vehicle of choice here, until I sort out how to get to the other side of the ceiling imposed by debt to income ratio.