Local banks and smaller credit unions are most aggressive in this space.

Using mortgage debt at 6-7% on a refinance to pay off higher rate debt such as a credit card at 15-25% is a savings!

Sounds like a great “Rich Dad, Poor Dad” strategy…residual income, but for Tardus. 

Try being an agent, your phone number is EVERYWHERE and you get targeted by a whole industry that wants to sell you the latest gimmick.Here is what helped me.I answer calls and when it's a telemarketer I will interrupt them and say very friendly (because I don't hate the poor person who gets paid to do this and coached to be ruthless): Hey, so glad you called, can you do me a big favor? 

I was going to add, as posted above, it's a great rate and stick with that local credit union for the future business. 

My goal is to wholesale some properties single and multifamily to build some capital while fixing my personal credit and building my business credit.

(This assumes you have a credit card available to pay for any repairs.).

If It is a wholesale DSCR lender that also does TRID loans, they might require a bit more paperwork, such as a VOM, mortgage statements for properties currently owned, and credit supplements on mortgages on your credit report.

You can go up to 6.75% and get 1 point credit towards the broker fee. 

A couple issues with Credit/income on paper.