The “buyer beware” philosophy is fine for commercial transactions, but taking “advantage” of home owners when they’re most vulnerable and lack market sophistication is something no right thinking person wants.  

Reports to credit bureaus.

Quote from @Jeff Sanders: Personally coming from an agent/investor in CA, I always get a quote from a broker of mine and make sure I am knowledgeable with the fees/costs.

It actually says “Loans to Partner (or persons related to Partners)”.

While personal loss is difficult and understandable, running a business that directly impacts property owners requires a contingency plan.

@David Naphy With a strong credit score you can do better than 8% on a DSCR based cash out refi today. 

BUT, let’s say for personal reasons you want to “stretch” for faster wealth accumulation.  

I am personally buying a lot in Casa Grande, Arizona.

It’s important to recognize that your landlord likely isn’t thinking about selling the property right now, especially given their personal circumstances.

Best regards, This approach is neutral and objective, focusing strictly on the criteria, and avoids discussing any specifics about the applicant’s personal situation.