The proformas are utter nonsense because they know the product is no longer a viable investment.

The truth is, over the last few years, many of these people are barely cashflowing at all and the default rate with the banks on this product is skyrocketing.

"Question: have you ever filled out a spreadsheet of cost and lifespan of each product of a property?

Never should you be paying 2.5 points on an FHA product.

Our DSCR product is very STR friendly and heavily lean on AirDNA data vs appraisal.  

Flexibility in Loan Terms: Josh offered a unique hybrid product that let my friend lock in a portion at a fixed rate while leaving the rest variable.

Everytime i engage in a product its more unexpected money being required and I just do not like that.Good information.

I completely agree with that and there is a way to phrase it when you are not trolling by saying, hey I own a CRM company and am honestly looking for feedback to make the product better (and then do not send DMs).

If I weren’t selling an SEO product, it might have been perfectly acceptable to share these golden nuggets freely.

Hi, you seem like a potentially good candidate for DSCR Loans, a loan product that was essentially designed for exactly this - investors that want to build a portfolio relatively quickly and not be slowed down by DTI requirements or other hassles from conventional options.Would be glad to help, also check out this 12-part series published here on BP on everything you would ever want to know on this loan option!