I you take out a loan your name, an actual person must sign it.

As far as refinancing, you can either do a conventional loan where they use your debt to income / DTI to qualify or you can use a DSCR loan which structures the loan off of the rent versus income ratio.More info on DSCR loans: DSCR loans won't use your income to underwrite the loan. 

Hi Frank, sounds like you’ve built a solid foundation and have exciting plans ahead - If you're planning to scale, you might also want to explore hard money loans or DSCR loans alongside private lending.

Here's how it works:If their deposit is $1,500, they can either choose to pay the SD in full or elect to take out what is essentially a loan with Rhino Insurance and only pay $25 per month ($20 goes to Rhino and the remaining $5 goes to the PM company) toward their $1,500 SD.

@Meena MallikFrom my experience, securing financing for commercial real estate involves understanding your options, such as conventional loans, commercial loans, private lenders, or partnerships.

Assuming you can get the loan for the new property 

Are you asking as a buyer, or as a loan officer?

Conventional non-owner occupied loan. 20% down.What was the outcome?

A couple of thoughts that might help.I recast a loan at a point where I had paid enough extra to allow recast (I think it was $5k over).

Apologies - I hadn't realized you had cross-shopped between AgSouth and Vystar for the same loan prod.