Quote from @Jaycee Greene: If you go the conventional/DSCR route, these are considered "Commercial" loans and the properties are referred to as "Non Owner-Occupied" and, as such, the cash flow of the property is most important, and your DTI is not generally included in the underwriting.

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)

You will have to check your local association as to whether they have a non-MLS membership.All of that said though, how do you plan to write your own offers on your own rental properties? 

You can househack non-conventionally, but that's by renting the room out and the better way.

If you’re planning to pay cash for the rehab, make sure the lender provides non-dutch interest on the rehab portion so you only pay interest on the funds you actually draw, if any at all.Once the renovations are complete, you can do a cash-out refinance after 3 months of ownership.

I strongly suggest you talk it over with experts who specialize in Memphis.

Remember, the notion of amassing wealth without investing is a dangerous myth perpetuated by self-proclaimed experts.

Nationwide sent a non-renewal letter for an 8-plex, claiming property was within 1 mile of a fire hazard zone.

Hello JC,I am not an expert in DC specific zoning but I have a lot of experience with the zoning code in Charlottesville VA. 

Probably the most common mistakes made in the development business by non builder property owners.