For example, the third Tuesday evening each month at a casual, static location which could be indoors or outdoors and flex based on attendance.

To the greedy ones, don't get any ideas, just an example that a bank still has a duty to customers not to put them in a situation of having to deal with an untrustworthy party.

Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

For starters you bought it after a fresh rehab.

Examples include:Capital One Spark: Great for cash-back rewards.American Express Business Platinum: Excellent for scaling businesses with travel needs.Tip: Pay off balances on time or early to build a solid repayment history without impacting personal credit.4.

If local deals aren’t working, try out-of-state markets or connect with local investors for fresh ideas.

Innovative approaches like these are key, you always have to move, adapt and think to figure out a smart approach and make it work for you in today’s market, your case is a great example. 

For example, even if you finish the rehab in 1 month, not all lenders can refinance using the newly appraised value after month 1 but some can.

Over the last (3) years I have seen some extreme cases of expedited equity where an investor buys an older home or "Ugly Inventory" and then bats clean up on the ARV in 12 months.To give you an example I helped an investor refinance her home in 2023 pull cash out to buy a $65K home all cash.

Used for a magnitude example.