It wouldn't hurt checking out a DSCR loan as these rates are beating conventional products in a lot of cases right now.

Their departments are segregated so the new ones don't learn anything from the successful ones, their teams tend to skew engineer heavy with little thought for user experience, and their products rarely integrate in a sensible way since they are so segregated. 

A study by Geraci LLP, analyzing data from 125 lending companies, shows that the private lending industry performed significantly better in the first four months of 2024 compared to the same period in 2023.When it comes to short-term loans—like fix-and-flip, construction, and bridge loans—there was a notable increase in production from 2023 to 2024.

Ultimately, raising money is about creating a product that your potential buyers want to buy.  

I wouldn't trust them to make the payments, especially if the property value goes down and they have a bum tenant not paying rent because they mis-managed it and had poor underwriting skills to begin with and realize they messed up and just walk away (what makes it attractive to them if it's not attractive to you?).

They will all have essentially the same product as you, BUT they will have purchased at a much lower price point. 

One of the main reasons I got into this industry is my passion for helping people and wanting to guide people into a good loan product for them based on their needs. 

Very poor customer service.

To the housing providers in Pomona ...how can we teach the Mayor & City Council of Pomona about the economics of and business fundamentals of providing our products to the market (housing)?

There's no cheaper product- don't let the rates throw you, you'll save thousands with a HELOC.