Tell the truth, because if they are trying to purchase a home and a verification of rent is from a private party we'll ask for supporting documentation from the borrower anyways, as we know landlords may stretch the truth. 

From there, I send a link via my PMS to apply to the unit and complete the income/background/credit verification.

If so, where could I get one with out having to to to a lawyer to write one up? 

I'll ask for some other verification or simply move on. 

Hi Tim,DSCR loans are ideal for investors because they focus on the property's income, not personal financials.Pros: No Income Verification: Lenders focus on the property's cash flow, not your personal income.

With those costs in mind you can crunch the numbers and see what you would need to negotiate the sale price down to to make it worth your while.  

You want a service that provides a full credit report, full criminal, identity verification, etc.Then it would help if you had clear screening criteria.

Sometimes there just isn't enough gas in the tank to get over the next hump and if you've hit that point, do whatever you need to to lighten your load. 

I think increasing in small increments slowly over time makes more sense than waiting multiple years and resetting to the market (assuming you're able to to that in SF). 

As long as the property generates enough cash flow to service the debt, you qualify—without the need for personal income verification.This type of loan is ideal for those serious about growing their real estate portfolio, especially if you’re self-employed or have irregular income streams.Why DSCR Loans Matter for Real Estate InvestorsWhen it comes to real estate investing, traditional loans can often be restrictive, requiring personal income verification and imposing limits on the amount you can borrow.