Tenants, "go into Holiday-mode" and start spending disposable income (and racking up their credit cards) on Thanksgiving feasts & trips, Xmas presents & trips, and finally NYE plans.3) Income Tax Refund checks start being received towards the end of February and corresponding, the rental market starts picking up again as tenants payoff their “Holiday Hangovers".4) Spring Fever starts, sometime in April-May, causing both sales & rental markets to start picking up.

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

This may be easier to find in smaller towns or rural areas.Growth potential: Research areas with growing populations or emerging business districts.Tax incentives: Some localities offer incentives for small businesses or specific industries.Infrastructure: Ensure reliable internet and necessary utilities for your business.Potential locations to explore:Atlanta suburbs: Consider areas like Decatur, Marietta, or Lawrenceville for a balance of affordability and proximity to the city.South Carolina: Look into growing areas like Greenville, Rock Hill, or smaller towns in the Upstate region.North Carolina: The Research Triangle area (Raleigh-Durham-Chapel Hill) offers opportunities, as do smaller cities like Asheville or Wilmington.Remember to thoroughly research local building codes, zoning laws, and business regulations in any area you're considering.

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.

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.

You don't see the CIO of an endowment putting their sponsors on blast for the entire internet to see (at least that I know of).  

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.

If you want points on your credit card , ask your contractor if they take credit cards , I do .

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.