I need to replace my 2007 Toyota Tacoma with a newer work truck but I don’t have a credit score that will offer lending to purchase that truck.

Additionally, explore alternative financing options or strategies that may better align with your long-term investment strategy.If you decide to pursue a hard money loan, research local hard money lenders in Virginia, and consider reaching out to multiple lenders to compare terms and rates.

I want to run by the biggerpockets world a potential new model I’m working on and I want to be clear this is not intended for self-promotional purposes or necessarily even something I will enact (i’m not even totally clear on the legally of this) but something I want feedback on and also to spark a discussion of alternative agent models.

Yes some folks could argue they are the best realtor in the planet, but if one company thru efficiency process could save seller $35k, they would flock to the alternative.  

Email is the easiest way to do it and it is overwhelming sometimes but it is the best option, no other alternatives.

DSCR Rates are going to vary by quite a bit based on multiple factors (more than conventional), primarily FICO, LTV and DSCR - but also buydowns, prepayment penalties, and some alternative structures.That being said, I would say the average rate right now is around 7.5%, but can vary all the way down to 6% or higher than 9% for some special cases (like Multifamily 5+ or Mixed Use)Heres a couple articles on what goes into DSCR Rates (in addition to market) that hopefully helps!

This might buy you time so you can either save the money to pay it off or to find an alternate way to finance that balance . 

They may be able to help negotiate with the lender on your behalf or provide alternative solutions to mitigate the impact of the increased escrow shortage.Additionally, you could explore refinancing your mortgage with a different lender to potentially lower your monthly payments and escrow requirements.

I'll find an alternate venue

Are there alternative strategies to leverage my current investments for this purchase?