She claims that it's because of the deposit, but when I gave her a link to a gas company that doesn't require deposit, she cussed me out and wrote that I wasn't allowed to tell her which gas company to use.

The lower the score, the higher the risk and the more we charge for a deposit.

Payment TermsContract Value: $[Insert Amount].Deposit: $[Insert Amount] due before the commencement of work.Payment Schedule: Payments to be made as follows:[Milestone 1 and payment amount].

They batch the deposits together and you have to go deep into the program to determine which tenant made the payment, that was deposited into your account.

The "deposit" works as a way to make the payments on whatever you've drawn and self consumes itself.  5.75-6.25% fixed interest, amortized over 25 years for a 5 year term. 

The reason for this email is that we need to schedule a call with a representative about our direct deposits to our bank account, we keep having the same problem every month.

For example, I used an FHA loan (3.5% down) to purchase a 4-unit property, which allowed me to put down a low deposit while still generating strong cash flow from multiple rental units.

(yes, some of the Non-QM lenders that do DSCR have FDIC-insured deposits BUT the large, private lenders that have thrived in DSCR over the last few years are not FDIC-insured lenders). 

Also, most banks will not allow you to "borrow" your down payment, so what you would need to do is get the 50K personal loan and then have it show on your bank statements for two months (without showing the money being deposited, so in reality this could be 3 statements before you have that. 

These are NonQM loans that underwrite by using the gross cashflow (as evidenced by net deposits in your bank account or how much was reported on your 1099) and then applying an expense ratio (usually 30-70%) to determine your gross income.