I bet these guys looked into that before they started this pathetic outfit.

I have just outfitted this house. 

Gav Edwards,I have no business interest with them, but Howard Hanna is one of the bigger RE outfits here in NE Ohio.

Worked at a commercial outfit and they get hammered in slow economies. 

My 9-5 job is managing a ranch and I own a hunting and fishing outfitting business. 

We @Chad Martinson - short and sweet answer - I would reach out to:cornerstonesupport.com/debt-collection-licensing-statutes - this is a debt-collection-licensing outfit but am 100% sure they can point you in the right direction if you lob them a call.

I switched to a bigger outfit from a individual who only listed on Airbnb.  

In my opinion save yourself the money and the stress and go with a reputable outfit.

For example, for a new roof on a recent flip we completed earlier this year, we were quoted $35,000 by one outfit and got the work done for $16,000.        

This would be a commercial real estate loan.Yes Chris, if the borrower or DPA (down payment assistance) as you call it comes in as a lender in 2nd position behind your banks 1st lien then that debt service or mortgage payment will be factored into the DSCR.If you structure it as a equity and you're both members/managers of a LLC then no because thats equity.One method is debt like you mentioned and another is debt capital.Most regional and national outfits will not allow a 2nd position upon acquisition or purchase.In my experience its only been community banks or credit unions that have allowed 2nd position liens upon acquisition.