Unlike banks, which offer limited loan options, brokers have access to a wide network of lenders, including niche and non-traditional financing sources.Here’s what they do:Assess your financial situation to determine your borrowing power.Compare multiple loan products to find the most favorable terms.Negotiate rates and terms with lenders on your behalf.Guide you through the application process, ensuring you meet all requirements.Example: Suppose you have a lower credit score or unconventional income sources.

However, the LTV that you will be allowed to borrower will be less, in the 60-70% range max.

@John Jacobs I require my borrowers to have policies that cover replacement cost. 

We lost about $100,000, which we had borrowed from family.

My borrower is irate as it has been 2 months.

My question again stems around using seller financing to allow them to receive a consistent monthly pay of X amount and delay/lower their tax bill in the short term instead of going through a lender to borrow 800k+ causing my mortgage to be significant part of our income roughly 40-50% of take home -  which we are approved for LOL.

You are correct, it is common for DSCR lenders to require the borrower to be a business entity in Florida, and some other states sprinkled across the US.

I remember one of them telling me he just sold his business for many millions and was curious and 30k was nothing to him.. but you take those who have to borrow the 30 k and well that can be very bad for them if they dont do anything with the course.

ALways  I never borrow for the dirt.

Also, conventional lending will NOT allow you to get gift funds OR borrow unsecured funds to help fund a down payment on an investment property.