I am sure the interest in that hard money isn't great.All DSCR loans I have seen require at least 12 months.

Martin They get a bank loan, but most do not start out in MF, they start out in residential.

Early in my career I worked on cattle ranches, then started doing farm and ranch loans for seven years, and now have been doing hard money lending and other real estate investing.

They’re requesting what feels like an unreasonable amount of information, and the demands keep escalating.So far, they’ve asked for:A video tour of my home officeCredit checks on me and my partnerCopies of the deeds for every property we ownA copy of my partner’s home lease and utility billsBusiness phone billsA signed letter from the bank verifying our accountsBank statementsHonestly, it feels more like qualifying for a loan than trying to become a customer.

Several have mentioned utilizing low down payment second home loans for qualifying.

If it's on your credit, you are on the hook for it.However, it shouldn't effect the loan process too much, a simple Letter Of Explanation should be able to get the job done with the correct investor. 

Im looking to try and either get a duplex or a single family with a FHA loan.

. 🤷🏼‍♂️ Credit scores can be misleading when screening tenants, as many lack the term loans (like mortgages) that drive high scores.

Home 1 is ideal for a fix-and-flip loan to fund the remaining $90K, which I can help you evaluate options.

If you have bank loan (not an agency loan) or no mortgage at all, an LLC is certainly an option.