That's also what the lender told me, it would take too long and thus make me as a buyer less competitive once we're in UW. 

With a 1.25 DSCR, lenders will calculate the maximum loan amount based on the lesser of the two.

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

@Treza Edwards, your lender will often mandate specific inspections to lend on a commercial property.  

Do you have a reliable lender that you work with?

I've worked with several lenders that allow no cash-out seasoning before.

Also can fellow landlords advise what dog breeds to reject?

As soon as interest rates or your personal situation are favorable you can then refinance at any time and eliminate the hard money lender.

The ideal home price for you will depend on: 1) downpayment size 2) risk appetite, 3) preference for more cash flow or appreciation.Given our price points, our investors need to have 35-45K to start, on average.The typical cash-on-cash return on our properties net of loan payments, insurance, taxes, and property management fees is 6-8%.Ultimately, you can obtain financing from any lender, although we have partner lenders that can provide very competitive rates.

Offer accepted, "My I have an email to send you a purchase and sale agreement via Adobe Sign" Offer rejected, put in the follow up bin.