It feels like I have fairly long tenancies.

I'm fairly new to investing, bought my first 2 SFH a year ago through a turnkey company.

I’ve used all the rental cashflow since I started investing to buy more and more houses, or to pay off 401k loans and 0% interest for a year credit card loans to scale up.

., a duplex or multifamily), you may qualify for a conventional loan with as little as 3%-5% down.HELOC or Cash-Out Refinance: Use the equity you’ve built in your current property to secure a Home Equity Line of Credit (HELOC) or cash-out refinance.

Backstory: 22 years old about to get out of military after first contract. 70k cash saved up & 775 credit score, no debt.

So do a background/credit check, get a full application, paystubs (Call to verify), former landlords phone #s (Call to verify), and other information.

As far as Co gendering doesnt that fall under fair housing if i dont let someone stay in a room because of their sex?

Unlike traditional banks, which focus heavily on personal credit and income, portfolio lenders prioritize the cash flow of your property.

Fairly common here in Cleveland.

Quote from @Chris Mason: Rather than starting with one lender and going back to the tenants, another approach would be to work with a commercial mortgage broker who will put the full credit package in front of 10 or a dozen lenders, and see what they come back with.For example, for scenarios like this, I've seen lenders come back and offer a new loan that has a maturity that's coterminous with the lease.