These are all areas where home prices tend to be more volatile than other parts of the country.This is likely due to their relatively high loan-to-value ratios, and larger share of the market that is dominated by home flippers.

Quote from @Timothy Newsome: Hello BP I finally made it here.

When getting a DSCR loan whose credit score is the lender going to use?

I finally told the staff member who was a male about 6' 5" 350 lbs I was not going to sit there and be chastised by him for something I did not do!  

Was thinking of taking a Home Equity loan for the downpayment ( @ $100,000-150,000).

You verify the lender actually owns the loan and does not have any leverage elsewhere on it.3.

@Shak F. you wont be able to do a cash-out refinance with a conventional loan, since they require 12 months.

If it's in your name you can look into the potential for a HELOC or potentially refinance to pull out some of the equity you've created, but you'll need to do the math to see if you're payments will increase based on the new loan terms.

You could get a new loan for $150k.

I have never heard of them but it seems to be a lender offering foreign national loans?