(If you can not access your home at this point to assess, assume you'll be filing an insurance claim and keep reading.)In 2018 I had to file 3 Flood claims and 3 Wind claims on 3 different oceanfronts on Topsail Island during Hurricane Florence.

Every county in every state seems to be a little different as far as what the county appraisers website will give you access to. 

For 3-6 months of seasoning, the appraised value can be considered, though LTV restrictions often apply.

Geographic Expansion: Don’t restrict your investments to one location.

Given that your rental property currently cash flows over $3K/month, the DSCR might be too low to qualify for the full $900K loan, unless you can show additional rental income or strong reserves.If your goal is to access that $200K for another investment, refinancing with a DSCR loan could be worth losing the low 2.99% rate, especially since it would eliminate the high-interest HELOC.

Most new home communities have super HOA restrictions on investors, like you have to live in the home a year before renting and/or they only allow a certain % of rentals like 1% or all kinds of other roadblocks.Plenty of opportunity in North Texas, but for the most part stay away from new builds for rentals.

They are a legit lender, but I have found their terms to be average and their guidelines are more restrictive than other options. 

This is perfect if you’re using the BRRRR strategy and want to access equity sooner rather than later.Working with a lender that specializes in non-QM loans for foreign nationals can help you get favorable terms and streamline the process.

I founded First Access Lending to provide access where others can't.I can write second liens up to 80% CLTV on investment homes, sometimes with rates lower than cash-out loans, AND you get to keep the low rate on your first mortgage.The products are rare, so I'm not surprised to hear other lenders saying they don't offer them and/or recommend other products.Let's connect, and I can give you a quote!

Quote from @Dan Heuschele: The reason syndications are restricted to accredited investors is an attempt to restrict the offers to sophisticated investors.