He's out of Rochester, has lower limits for DSCR but also has a ton of options for loan products.

Most of them are not specialists in the way that youre thinking - they're retail employees with baseline knowledge of the products in that area.

Simple, get the book: "Lend To Live".It's "the Bible" of the lending business and it's featured here on BPhttps://store.biggerpockets.com/products/lend-to-liveMike

I agree with this high level (Private Money = Individual, Hard Money = Company Non-Turnkey Product).I've been begging (mostly to no avail) for better clarity and definitions here for these to avoid confusion - BiggerPockets IMO has a HUGE opportunity to set and create the "gold standard" universal definitions of loan types with just a little initiative. 

Traditional banks tend to not have this product.

Anyone have any products that wlll refi these smaller loans?

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.

Quote from @Jason Hirko:Just to double check, because I know nothing about lending side, do you have any loan product for rehabbers where title insurance is not required?

Vigilance is key to protecting your financial well-being.In conclusion, while fintech innovations can enhance our banking experiences, it's crucial to remain vigilant and discerning.