Your Lender If you need a deal finder my suggestion would be to go to the top of this page where it says AGENTS & click on that.

And then I would use trust deed and promissory note to get a loan with lower interest rate this is how all lenders work banks HML private money lenders if they are scaling.. 

Does anybody know of a lender that has DSCR loans that do not have this penalty? 

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

@Meena MallikFrom my experience, securing financing for commercial real estate involves understanding your options, such as conventional loans, commercial loans, private lenders, or partnerships.

Commercial lending is getting VERY complicated as lenders are seeking more capital to beef up their coffers.

It always takes longer than you think.Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

I am guessing there is either a preferred or in house lender with large amounts of credit to get to this? 

The under writing doesn't carry for a 1.25 DSCR which (at the moment) is the golden rule for banks and commercial hard money lenders. 

If you are assuming the property, you are actually putting the mortgage in your name, and you would need to qualify for the mortgage with the lender.