Question: Should I collateralize the loan (if using private or hard money), or rely on roll-over loans (to maximize the lower points and 3-4% rate)?

And my rental cash flow went from only $1500/month to 19k/month profit by taking on more loans and harvesting the equity in some of my properties including my primary.

Bridge loan.

Quote from @Leonard La Rocca III: So is it common to find a conventional loan without meeting the lender in-person?

Why not take out a loan from the equity to pay off that debt?

I have spoken to lenders about traditional financing and also DSCR loans.

Hey @Patrick Braswell  You shouldn't have any issues getting a DSCR loan as long as you have at least 1 borrower who owns 20 to 25% of the property, or if a couple of you can get to that level combined. 

These typically account for about 80 to 85% of all expenses in a flip.If you know the lenders' terms and the loan duration, lender fees, the second greatest expense, are easy to calculate.

Compare Loan Terms – Ensure their rates, fees, and terms align with your investment goals by getting multiple quotes from other lenders. 3.

But the props were in your name and they had a loan against it and then when it was done they bought it from you and you made a profit ???