It takes the wind out of their sails when they want to view you as Simon Legree.My experience is that they will then comply. 

@Colin Simon Welcome to Bigger Pockets.

@Simon Chan I didn't have much of a consultation.

Originally posted by @Simon S Marthinsen:I'm buying a commercial property with my business partner using his parent's HELOC as short-term financing.

Quote from @Robin Simon: Quote from @Dan N.: Just got off the phone with a lender that was interviewed recently on Dave Meyers' podcast.Had some of the best terms I have come across so far for DSCR loans.BUTThey DO NOT allow you to do ANY renovations (maximum paint) to the property, even if you finance the renovations with your own funds (as opposed to adding it to the loan).Is this normal? 

Anyway, I went to college and got my BS in Finance from RIT and then my MBA in Fiance from the University of Rochester, Simon Business School. and have been involved in real estate since the late 80's first as a commercial banker and then started in the appraisal field during the early 90's when refi boom was going on during that time. 

Thanks, Simon - will do!

Thank you, @Simon Lloyd for the welcome.

@Simon Lloyd I Appreciate your reply, I am definitely looking for a mentor in the area.

@Dean Letfus  @Takashi Sawada @Elwin Van Wees @Simon Kearns @David Logan @David Sherar @Benjamin Connor  please feel free to share this message with any other Kiwis on here you know?