In the end I dont know who is really dealing with my property for me to talk to.Looking at the experiences from initial couple of weeks, I grew suspicious about the quality of the company I am dealing with, so I read about various reviews I found online about this company and I can confirm many of the bad reviews I read online.After several weeks of scheduled and cancelled showings, last week they came up with a group applicant with low credit score ~600 saying they check out fine with their system and hence we should rent it to them.

The documents are a little unclear in terms of what the interest rates are, but is says "As low as 4% for businesses without credit available elsewhere; up to 8% for those with credit available elsewhere."

You’ll need to provide documentation such as income verification, credit history, and possibly a property appraisal.

Go to a credit union and get a low interest 2nd mortgage and leave the 1rst mortgage intact.

They struggled to place a tenant @ $1900, and were hyper focused on high credit scores (>680) and income.Another had a 3 bed 2 bath more spacious home a bit more South, but still in Staley HS area.

I keep 100k in real estate reserves and have another 200k in lines of credit should I need to tap for emergencies.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

That is owner occupied starting 2025.I will test (if approved) STR or MTR…on the other unit, but also Besure it works for LTR.We both have good credit, DTI is way low, great jobs, and money saved to start this process.Here in Lexington KY I feel it’s hard to find duplex in a decent area unless it’s over $500k.We each prefer under $300k for a duplex.

Your credit score is above what lenders want6.

There is a lender willing to refi cash out the property right know, should I take this lender offer, or would it be better to go to a local Credit Union or Bank and have them run the numbers?