Your deal just doesn't fit, by definition or scope, the intent of the legislation (which is regulating people in the business of residential mortgage lending.)

They will also examine property rent rolls, leases, and expenses to verify the property fits their DSCR requirements. 

Plus, they customize their quotes, so you can get a plan that fits your specific needs, whether you're a small lender or a larger operation.

@Robert Rixer, I don't know how creative these are, as many are common plays:Valet TrashFencing in first floor yardsProviding washer and dryers for added rentReserved, Covered parkingTech PackagesInternet and Cable contracts, with reimbursementsPayment Plan rents, with small service charge (i.e. bill 1/4 rent each week)Reserved Rental cabanas at poolPrivate pool party rental optionGolf Simulator in clubhouse - fee basedOn site, self serve car wash (quarter feeder style)Charged group fitness/personal training servicesGame room in clubhouse with monthly subscription for tenants (Xbox, Playstation, etc)Changing out high maintenance grass for astro turf or lower maintenance/lower water use shrubberyBut ultimately, I think a lot of NOI increases come from deep dive into understanding EVERY expense and finding ways to minimize them, and/or no outsource them.Train maintenance team on basic HVAC and appliance repairs (find way to get them licensed as needed)Buy paint sprayers for faster, easier turns versus having to hire a contract painter, and possibly repaint whole unit each timeStandardize all finishes, so you can buy in bulk, everything from hinges and door knobs to cabinets, paint colors, and light fixtures.Potentially get leasing people onto lower base salary with higher bonus potentialBulk/bundled insurance across portfolio (even better at scale is to self insure)Regularly test sprinkler systems for leaks.Non-NOI, but benefit to you: partner with insurance agency to get referral kickbacks from your tenant base for renter insurance.  

Then when you come across a deal that fits, underwrite the deal and present it to them. 3.

If a realtor has a lender paying for half of their "co-marketing" on Zillow or whatever, theyre probably going to refer that lender regardless of whether it's the right fit.

@Kent Foltz I think you've got to put the time in to research the different states and find the ones that will be the right fit for you.I started with non judicial states only then moved to judicial as well.

Soooo, now, after asking them to send me what they've got as far as current inventory, I happened to mention to them that my closing attorney is holding earnest monies to be labeled and guided as I see fit.

If you have ample time and want to be hands-on, I’d recommend choosing a market that interests you and building a team—including an agent, contractors, and a management company—to support you throughout the process.However, if you’re busy and don’t have the time to manage all these aspects, turnkey options might be a better fit.

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