If you are looking for a loan product without having to use your personal credit, then a DSCR loan option may be for you.

The stars just don't line up to make choices perfect and easy.

Smaller banks may have more flexibility for other products should you need them down the road. 

its certainly a hell of a lot easier than chasing down wholesale deals.. you know the deals are there.. they are public record.. most on line.. you can go to Northwest trustee service.. you line up your private investors and do all the leg work for them.. check property check comps.. eye ball rehab.. etc etc.. then you run to their bank ( because they are busy making money in their day job) grab cashiers check and bid for them.. if you win you charge them a flat fee or you take a piece of the deal...

I’ve purchased 1930’s through 2010 built product and the older product always has more issues.

Tenant just moved out, cleaners found they used the wrong type of cleaning product on the stainless steel appliances, causing a permanent discoloration. 

@Matteo GirlandoWe have a DSCR product available to first time investors.

Just a piece of advice if you do elect to pull some cash out is to stay at 60% loan to value. 60% loan to value for most products will get you the best combo of rates/costs on the loan. 

How much it will affect your DTI depends on your existing debt obligations, income, the mortgage of the primary home you want to buy, and the mortgage of the house hack property.I recommend using the 5% down conventional loan product to house hack and only use FHA if you have to since there are more restrictions involved.

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