Are there any hard money lenders or alternative solutions that could help navigate this dilemma?

Whether you're a new investor or looking to scale your portfolio, qualifying for traditional loans can be a challenge—especially if your personal income doesn’t meet the strict requirements.That’s where Debt Service Coverage Ratio (DSCR) loans come in as a game-changing solution for real estate investors, providing an easier way to finance properties based on the property's cash flow rather than your personal income.What is a DSCR Loan in Real Estate Investing?

Are there any hard money lenders or alternative solutions that could help navigate this dilemma?

Generally, for the optimal refinance, these are top of mind for BRRRR strategy investors:Return of capital: The key “secret sauce” of the BRRRR method is to build portfolios using the same capital over and over—which relies on getting your basis (or more) back on the refinance, where basis refers to the money you invested in the property (down payment and cash used for renovations).Speed: Refinance lenders use the term “seasoning” to refer to the amount of time (typically in months) between the purchase of the property and the refinance.

@Justin MummBesides giving the family time to grieve you can refer to the lease about non-payment.

when I say 'BP' i'm using that as shorthand to refer to the entire ecosystem - the forums, 2016 webinar Brandon Turner, the whole thing. 

Quote from @Joel Rivera: Be careful with personal references.

You have several solutions.

These questions are specifically in reference to Single Family Homes, Luxury, Duplex Rentals, Small Multi-Family 6 to 12 units and Long Term Corporates/Company Rentals - we do not do Short Term or Month-to-Month Rentals.

I don't accept anyone without references of their last place for at least 24 months.