Then any rental income you could obtain from that property could be used as an income source for loan pre-qualification.

I am looking at doing an SBA loan but at their asking price it would still need over 100k. 

Depending on your current rate or if the current loan is short term or long term.

Just curious if anyone has used All Loans Funding for DSCR loans?

Hey @Cameron MarroPersonal Loan or Line of Credit: If you have decent credit, a personal loan or line of credit could give you access to the cash you need for renovations without using your property as collateral.

The counterclaim states that since the deed in lieu language was part of the loan, the entire loan is invalid.

Owner occuppied loans regualted in every state .. must have state license and NMLS registration.NON owner occ loans on 1 to 4 units are regulated same way in about 15 statesin the other states they are unregulated.Keep in mind though investor loans do not follow the same rules as owner occ and rates can change charges can change closing dates can be blown through etc

I was thinking a bridge loan might be an option , and then refi it later and pay back the bridge loan,  but I'm waiting for lenders to reach back out and run some numbers.

Quote from @Leonard La Rocca III: So is it common to find a conventional loan without meeting the lender in-person?

Hi Ricky, Have you tried looking at a DSCR loan?