., cost segregation studies and bonus depreciation) without qualifying as real estate professionals.

I recently explored several top mortgage companies to hang my NMLS mortgage license with and if you have decent credit and a down payment, banks are finding ways to get you qualified.

Over the last couple of years, many DSCR lenders have embraced and adapted to financing short-term rentals, including using data-driven tools like AirDNA to qualify rents on short-term rental properties, but there is yet to be a similar tool for medium-term rentals.

If you are lookign to occupy the property as a primary, then you'd need to look at the conventional (Fannie HomeStlye Reno loan for example) or FHA (203k loan for example).As for the takeout, again so long as the ARV is strong enough to support it, you have credit and income to qualify (if you go the Conventional DTI route as opposed to DSCR), you should be able to refinance into a long-term loan no problem.Feel free to DM me if you'd like to chat more on this!

The only good thing was that it was enough to qualify for mortgages because I’d worked in the same line of work for years.

You need to make sure you qualify for a 1031.

My credit isn’t the best and I would not qualify for doing so looking to invest in Milwaukee or the Midwest area Would prefer to buy a hold, but would be interested in house flipping. 

You’ll likely qualify for better interest rates and lower down payments with a conventional loan in your personal name.

But yes you can look into a refinance with a DSCR loan if you do not qualify using your personal income.

Whether you're a new investor or looking to scale your portfolio, qualifying for traditional loans can be a challenge—especially if your personal income doesn’t meet the strict requirements.That’s where Debt Service Coverage Ratio (DSCR) loans come in as a game-changing solution for real estate investors, providing an easier way to finance properties based on the property's cash flow rather than your personal income.What is a DSCR Loan in Real Estate Investing?