That makes “track record” an issue.

I was applying for a DSCR on my rental property (cash out refinance) and everything seemed ok, my FICO 680, DSCR 1.08, Appraisal $179K, LTV 65%.Unfortunately, the lender cannot close due to derogatory on record on my primary residence.

Title insurance, settlement fees, and recording fees can vary, so you could request updated estimates as you get closer to the closing date.If you’re expecting to stay under $5,000 out of pocket, double-check the loan estimate to ensure this aligns with your DPA and the amount you're being asked to bring to the table at closing.

I also check the court records (civil, criminal & traffic) myself, just in case something was missed.  

Keep in mind you will also have to pay transfer taxes based on the properties assessed value, even if the property is transferred from your name to an LLC for a nominal amount + incur deed prep and recording fees.

Then you will have a track record, and the annuity can fund the down payment for the next venture.  

Are there welfare liens, mechanics liens or other state liens NOT yet recorded? 

keep in mind documents affecting title are recorded at the county recorders in every county in the US as such they are open to the public.. and anyone can walk in an record documents now certain things need to be done on the documents to record them..

I just got a duplex with tenants in it, one was M2M paying way lower than market rent but she was a 2 year tenant with a good record, I just renewed her lease increasing little to a number that works but still below market rent, the positve note is that she is paying on time and I didn't have to spend money in the property, the other tenant renewed a lease with us and paying close to MR, at the end of the day you need to do your due diligence and make sure the numbers work.Same question for people who have bought properties without tenants already there?  

Credit and Loan Requirements: Traditional lenders usually require strong credit, significant down payments (20-25%), and a proven track record, which can make it harder for newer investors to secure funding.Could Private Lenders Be the Solution?