These are large lines of Credit that allow the lender to leverage theirs or investors money into loans..

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

The few lenders I've reached out to in my area (local banks, credit unions, etc.) are only working with primary residence for Helocs or Cash Out refi.

It would be a terrible forum if it sounded like an echo chamber. 

Understanding Commercial LoansProperties with 5 or more units typically fall under commercial real estate loans, which have different requirements compared to residential loans.Requirements for a Commercial LoanCreditworthiness: Both your personal and business credit scores will be considered.Down Payment: Typically, 20-30% down payment is required.Debt Service Coverage Ratio (DSCR): Lenders will assess the property's income relative to the debt payments.

A broker sent me the deal and we were able to agree to a price with seller financing and lock the deal up early enough and negotiated terms and renovation credits from there.

Having a tenant manager or a tenant maintenance person is a terrible idea.

They have zero accountability once you hand over your credit card.This is not specialized knowledge- it is free that you can find anywhere- free on social media, YouTube, bigger pockets, podcasts.

I have around 700 credit score.

New Jersey is notorious for having terrible wholesalers.How many properties have you wholesaled in the last year?