Depending on your current rate or if the current loan is short term or long term.

Freddie Mac only offers financing for single properties they do not offer 'Portfolio loans" meaning bundle them all into one loan.

I spent years there in Jackson did probably 1000 flip loans to locals and owned at one time 200 sfrs..

The investor either gets a loan or buys the property in cash.

Maybe @Mark Ainley can provide some advice...he has or had a bunch of industrial properties in Chicago and the suburbs.

My mother-in-law is saying that my wife needs to sign off on the loan.

Doing an unsecured loan is a horrible idea. 

Growing demand for rentals in neighborhoods like Midtown and Corktown provides consistent cash flow, and government incentives such as Opportunity Zones further enhance the investment climate.To add my perspective, it’s important to conduct thorough market research and assess trends carefully.

Hey @Patrick Braswell  You shouldn't have any issues getting a DSCR loan as long as you have at least 1 borrower who owns 20 to 25% of the property, or if a couple of you can get to that level combined. 

Hey Drew, get yourself an engineer to provide you with a report on the current conditions and the repairs needed.