It sounds like the issue is with the Debt Service Coverage Ratio (DSCR), which lenders often use to determine how much they’re willing to loan.

I cash out refinanced with a local Hoboken loan officer I know and they were really great.

I would love to be able to bundle them into 1 loan, but have not found a lender who can loan on a single property under $100k, even when bundled with the other one. 

@Kate GranahanHi Kate, we make loans on mixed use properties.

A lot of the owner occupy loans require you to live there for at least a year, so it's not forever. 

Any laws against repaying the loan in stocks instead of actual cash?

Since they keep the loans in-house instead of selling them on the secondary market, they can tailor loan terms to meet your unique circumstances as an overseas borrower.If you have strong assets or savings, consider looking into asset-based loans or no-doc loans.

To summerize, a DSCR loan, aka lite doc or business purpose loan, uses the rents you receive on the property and divided by the new loan PITI to receive a ratio.

Hello all,
I'm looking to buy my first multi-family. I have a large lump sum saved in an investment account for down-payment and any additional costs. I currently have no debt and make under $100k a year. Because of ...

Found them on fb along with a few others offering 30Yr DSCR rental loans.