Hey Julian, As others mentioned, DSCR loans will be underwritten based off of the appraised value or cost basis (purchase price + documented rehabs) depending on seasoning period when you are looking to refi.

Many months of rates moving at most a few basis points a week morphed into dramatic, massive movements—with bigger changes sometimes happening in one day than had occurred in quarters or years prior.Real estate investors navigating the challenging market of 2024—with mortgage rates still at elevated levels—are at an advantage when they can lock in financing terms or plan purchases while DSCR loan rates are favorable.

Child support and alimony we generally don't consider, social security and disability we do. 620 credit score for all applicants, we will conditionally approve people slightly low on a case by case basis with increased security depositAs a general rule, an applicant that has been convicted of a 1st Degree, 2nd Degree, Life, or Capital Felony, or any crime involving the sale or possession of controlled substances, within 10 years preceding the date of application within the last 10 years will be denied.

I’m on the mls every day in this area just to make sure I’m in tune with what’s going on (we own several in this area and I’m semi-local).

The credit bureaus report your score once per month, not every day.

But it's really a case by case basis, and it's true that at the 6-month mark you'll have more/better options.

Losing more with WWC every day.  

Bigger pockets postAccording to Biggerpockets stats https://www.biggerpockets.com/stats , over 1000+ new members signup every day and at the time of this post, they have 1.6 million+ members.Jump onto Facebook and I see lots of investor groups in the 50k - 100k range but nothing larger.  

Especially if the owners of the animal do not clean properly and so not clean or brush the animal on a regular basis. 

Lenders are seeing near a .50 basis point improvement in multi-family and mixed use loans this week.