Your job is to filter out the information you get from people and keep the productive ones on your way.

We used to see them very active on selling product but had heard they winded down thingsNot sure what name they go by today if it’s still vision or not

I'm not familiar with what Cambridge might offer, but finding something without MI would only be small/local banks or credit unions like that with some portfolio product. 

If you're building with a production builder who has an in house lender, essentially they offer 30 year fixed. 

An FHA loan or conventional would be a good loan product and can use the existing rents to help qualify. 

Not the best products, but PNC and Citi both have a HELOC you could check there.

I haven't used any of their products, but Blueprint has worked with me and my business partner to strategize on a project I'm working towards now with a new build in Galena, IL.

ATR rules do NOT apply to investment properties so products like DSCR loans and often hard money loans do not look at the borrowers income.

You have good advice above in that you aren't doing a teardown as a new investor; to even think it's possible is absolutely silly and a product of forums vs. real life.What's your why?

There is NO getting around the fact that you own the property/business other then a TRUE no-recourse loan (which will not be an option for small mom and pop investors) and no if the loan is on your credit report has no effect either as credit report is NOT the only source.The premise of DSCR loans is for borrowers who cannot qualify for full doc loans for one reason or another, but it seems the real premise of DSCR loans is because of the commercial purpose designation is that a lot of states do not require licensing of any type to sell these products.