For very well qualified borrowers (that can fully verify income) and seeking prime HELOC rates and terms I always suggest checking in  with their personal bank or credit union first.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

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Check out Tennessee Valley Federal Credit Union in Chattanooga for a HELOC.

Quote from @Barry Pittman: Being in the poorest state in the union (Mississippi), this has been a topic of discussion for our development team, creating/building affordable housing.

Sounds like she really timed that one perfectly and scored a big win.

Hello BP community , I am new to real estate investing in the San Antonio area, I have capital to invest in and my credit score is 640 , I plan on using the  VA loan for my personal residence but I want to see other options for a rental property.

I would speak to local banks and credit unions since this is where you might be able to work out a win-win financing solution.

Use a local bank or credit union for financing.

If it doesn't happen in a timely manor the union will get involved.