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. 

It's typical to sell 40k programs to people after the free or low money get together.

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. 

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. 

For example Avondale typically has 2-4 units for sale with 2/1s at $1200-1600.

My question is, I am looking at using a white label table funder to start with while I raise my own funding.

@Carter MayberryRefinancing your FHA loan into a commercial loan and transferring the property to your LLC is a solid strategy, but here are a few points to keep in mind:FHA typically requires a one-year ownership seasoning period before refinancing is permitted.

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

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