Some local credit unions and banks can offer great terms in the 75%-80% LTV range.If you’d like, feel free to reach out directly, and I can share some connections that have worked well for me over the years.

Hi Vincent, There are lenders that offer a DSCR product for an applicant that hasnt owned any real estate.How is your credit?

@Joe Villeneuve I have a similar situation, I have a 743 fico score, with a credit card that have a remaining 12,000 to pay off a 20,000 card.

Don't expect anything nearly like google maps, but if you can track this down, it can be an easy way to track down information based on looking at a map.

I like to have lines of credit for optionality and many of these are IO  

As a smaller investor, it's great to do all the data analysis with widely tracked metrics, but its also refreshing to hear the emotional and experiential data points from fellow investors as well.

We pay them back at close.For people/teams that do something similar, I'm curious what software you use or spreadsheets you've created to: Track cash current cash flow and projected cash flow for the whole business that including fixed costs like payroll and variable costs as well.

Using a service to report rent debts to Credit Bureaus can be very effective at recovering those debts because it can impact their credit report and score for years to come, typically 6-7 years depending on location. 

(DCSR, Private Lenders, Credit Union banks etc.) 

IF a handy capped applicant has a credit score below your minimum requirement it is irrelevant that he is handy capped.