Here’s how brokers typically view these:Loan Term Sheet vs.

I am typically managing 5-10 construction projects at a time.

Consolidating CC typically is a net positive, when we come across that there are a few ways to leverage equity in your home to do that so you can save monthly and get the balance down faster. 

The loan amount will typically be determined by appraisal (LTV - loan to value ratio) - but your qualification will also be based on other metrics like you mentioned - DSCR ratio, FICO and some other factors. 

For the typical wholesale the steps are really just fine a deal through marketing, have them sign a wholesale contract, have an established buyers list and send it to them, get a buyer to sign an assignment of contract agreement, and when you close you get paid out your fee from the title company.

Also the investment typically has less risk.

@Mike Sferacorrect. one small tweak, if you're buying fixer, you wouldn't typically buy with a 'mortgage.' you'd use cash or a hard money loan. 

Typically I set up a zoom call so I can show a map and where the good investment pockets are in AZ and why. 

They typically pay more also, just screen well.

Seasoned investors using commercial DSCR loans for the refi are typically completing full BRRR's in 3-6 months.