Their questionnaire to pre-screen potential applicants meant to save them from wasting time showing the property to unqualified people.

I think more people do not understand the risk of seller financing. all the people I see applying for seller financing could not get a visa card there credit is so bad and there savings is from the pennies they find walking down the street. 

I want this to be a vehicle for my wife and I to gain financial freedom and grow a portfolio to support the lifestyle we want when I retire. 

So I have been having a lot of trouble getting a cash out loan on one of my properties I own outright, and I thought DSCR lending was going to be my saving grace.

But with sub to you need to be very well capitalized in-case the loans gets called or something else happens with it and you need to retire it.

Also I do consider 8+% CoC plus appreciation a success - nobody is retiring on 2 STR purchases anymore.

Yes, you will save on the PMI but youll also be at 2%+ higher rate.

If you are identifying individual private money lenders, you can consider having a conversation with them about using their IRA, previous employer 401ks, or other retirement accounts.

If it's not, focus on building your income, increasing savings, and getting into a position to purchase.4.

If they dont have a product for you ( and it will cost you probably about half of what HML will cost.. then you will have to start looking at HML.other thing is friends and family or borrower from you retirement account.