I would always try local banks first but if you are looking to not worry about debt to income and providing tax returns or W2s then DSCR would be your route on the refinance side.

A lender will use market data, conservative comps, and always side on the fence of "what if" - as in, what if they have to default you and take over the property?

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.

Use some for buy and hold (I personally would prefer apartments rather than buying a few single family homes) and some for lending/trust deed investing.In either category, you must know what you are doing, know how to vet the investment, how to vet the sponsor (if investing in a larger fund of some sort), the laws and regulations on the lending side, how to investigate which areas to invest in buy and hold and notes/trust deeds for that matter.So as you have already said several times, lots to think about . . . 

I don't see how someone can wash a full load without having the other side to rinse in.

Is it one sided where after acquisition the sponsor has nothing to lose?

For a big ole' $40k job we're doing new siding, replacing windows, doors etc....

Every bank I have worked with on the lending side always requires builders risk policies.

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.

And there was a hole in the siding on the outside of the house where it was treated from