The borrower simple starts remaking payments at a given agreed upon date.

They also discussed a capital call but instead decided to borrow more money to pay the bills.

However, these programs typically qualifies borrowers based on their income, such as tax returns.The DSCR would be a good option considering you and your husband are entrepreneurs and the tax returns don't look good on paper.

We want to see equity, seasoning, a quality borrower, and good terms. 

Just because a buyer doesn't fit the bank criteria, does not mean that they are a poor borrower.

What is the best way to show cash in hand in order to buy it when you don't have the cash and need to borrow the funds?

.🔹 Example in Action:Rental income: $9,000PITI: $9,500 → DSCR <1 (not qualifying)Using $63,000 in assets → Adds $1,045 in incomeNew DSCR >1 → Higher LTV (80% instead of 75%)🔹 Why This Matters:✅ Helps investors qualify for better financing✅ Increases borrowing power and flexibility✅ Allows you to scale your portfolio fasterUnderstanding financing tools like this can be a game-changer for investors looking to maximize opportunities.

Alternatively, using part of those funds to pay your current mortgage might help create additional borrowing room.

Almost no established investors / flippers want to borrow a small amount of money from a brand new investor.  

I've got an FHA grant that allows borrowers to purchase a duplex as a primary.