Some will require to use the lowest credit score while others will just require the majority owner or use the highest if all equal.

For anything less than that with a traditional bank or credit union, you'd likely be looking at a portfolio product (the bank/CU will hold your loan and not sell it on the secondary market). 

There are also some exceptions to convince the underwriters to use leases if there were major repairs for that house/unit proving that the schedule E numbers are not showing the full potential return, then you would be able to use the leases as an exception. 

One major lesson learned is that commercial financing is no where close to residential financing and that you need to give yourself a decent amount of time to line things up.

I'm considering a major reno owner/occupied triplex in the Irish Channel, great walkability. 

We have a place almost completed, 5 mins away from a major Hospital.Thanks

Connect with a few players who know your submarkets like the back of their hand, and suddenly you’re not the lone wolf trying to move product.

I have a 3/2 rented with that model for 7 years , no major issues since I started doing background checks.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

The vast majority of my tenants (particularly the ones I placed and did not inherit) have been great.