In addition to brokers, I would also suggest speaking to 1-2 regional banks/credit unions.

Since they do not require closing credits and you do not draw on the funds nor pay for the debt until you take the draw of the HELOC it is best to get started on it now so you have funds ready.

@Sonja Revells Real estate investing can be seen as higher-risk by lenders and Dun & Bradstreet (D&B), potentially impacting your credit terms.

Bigger issue is that they look terrible - badly misshapen especially.

That would be terrible.

Maybe paying off credit card debt or other debt on your report to reduce the minimum payments, increasing the downpayment, finding a house that doesnt require HOA or flood insurance (if applicable), etc.

@James HumphreyI would suggest speaking to local banks, and credit unions.

For DSCR, it's usually slightly higher than the conventional route due to it only looks how well the subject property rental performs + credit vs conventional where it requires credit, income, assets to be reviewed.

There is risk is any investment, and before a went through a market cycle, I managed my own deals and did a terrible job.Once I learned the business, my risk went down.

If you have a lot of equity or if you bought the property when your credit score wasn't great (leading to a high interest rate), then it might make sense.