We are offering you a No Doc Loan without any income verification for 6.5%.

Investors should keep an eye on its growing infrastructure and amenities.Huntersville: A family-friendly suburb with excellent schools and amenities, Huntersville is a solid choice for long-term appreciation.Davidson: A charming college town, Davidson offers steady appreciation and attracts higher-income tenants.Belmont: This small town near Charlotte offers more appreciation potential than cash flow, driven by its desirability and quaint atmosphere.Neighborhoods Offering Both Cash Flow & AppreciationConcord: A tricky yet rewarding market, Concord can provide both cash flow and appreciation.

If one project slows down, others can keep moving.Stagger Projects: Start planning your next project while finishing the current one to keep your pipeline full.DSCR Loans: These loans focus on the property’s income, not your personal income, which can help you finance more properties.StrategyFlip and Hold: Flipping one property while prepping another for rental keeps cash flowing and builds your portfolio.BRRRR Timing: Since BRRRR is slower now, using DSCR loans to get multiple properties might be a good hedge.Good luck with your flip and future investments! 

As a work around, we use a residential building and mark rents as commercial income. 

Locally my observation is that the need is more for low income young and working vs college student.

So lets say you own a home with $100k in equity but have zero income.

However, aside from that, I couldn’t find much information about them, and the only online presence seems to be the wife’s LinkedIn profile (though I’ve never met her in person and am just going off her profile picture on Zillow).After submitting the application through Zillow, we attached our income (two months of pay stubs for each of us from our current jobs), work references, credit and criminal background, rental history, and the contact info for our current landlord (who just so happens to be my fiancé’s father).

For me personally, our STR and our little inn provide more than half my family's income so I feel I have a fiduciary duty to my wife and kids to maximize that. 

My recommendation would be different if you were a high-income earner or if you wanted steady equity growth.

While institutional lenders would probably need a number years proof of collections before considering the income from the wrap, private lenders, such as myself would look upon the situation more favorably.