You have a much better product available to you in the VA loan.

that is going to require a lot of data and database management and offmarket deals are all case-by-case so it almost certainly wouldn't be easy to productize (i.e. you probably couldn't get AI to do this). 

Has anyone ever found a DSCR HELOC product?

I agree with Ko, Andrew, and Stacy that the DSCR product is the best fit since almost all other loans require some income to get approval.  

Self performing can reduce your costs which may help your initiative but you have to weigh the time that goes into the rehab against lost production at your W2 job. 

So you are in a 30 year loan product. 

Meanwhile I originated a refinance loan in July of 2023 on a nearly identically built housing product and the rate was 6.66%.

When I called on an FHA Broker I found that they no longer offer this product!!

But you're not going to find lending products from these life insurance companies who provide these types of policies. 

Wanted to check if that is true and if it is just lender specific or are there any legal laws around it.Thanks The rules are generally pretty vague - for the 10% Down Second Home Loan - generally are supposed to be not an investment property (no more than half the year rented out, no property management) and the vicinity rule is not super clear - but you are supposed to live "near the property"There won't be a difference among lenders since this is a GSE backed product (all rules the same) - however, the difference is likely to come from the interpretation of how close "near" meansThis is a good twitter (X) thread on the topic from a lawyer thats in the spacehttps://twitter.com/Wildlaw406/status/1689416363973214213