NonQM "shops" offer a variety of loan types, DSCR being one but they are the lower rates and fees.

Many mortgage shops do NOT allow their loan officers to also be RE agents on the same transaction to much of a conflict of interest. 

But we had four kids, a hubby who was a car guy and needed a shop or big garages, and a limited income.

If you anticipate selling the property soon, it’s worth negotiating or shopping around for a lender with flexibility in prepayment penalties.Feel free to reach out if you'd like to explore tailored DSCR options that suit your goals.

As a mortgage broker, I shop my clients' loan to get them the best possible loan and the least fees while helping them to reach their investment goals.

There’s definitely a strategy to applying for business credit to avoid alerting other lenders that you’re shopping for credit.

As always, shop around and compare terms to ensure you’re getting the best deal.

Again, you certainly don't have to verify it this way and to some extent that is why most invest with turnkey companies - it makes it easy and is a sort of one-stop-shop but I think your definition of doing your 'homework' may be different than my definition.

So many turn to the basement dwellers with the "command centers" full of pawn shop bought computer monitors of which some are in Porn Hub 24/7 while they shill crypto and for gurus in various spaces like real estate.

Focus on keeping upfront costs down and shop around for lower interest rates or lender credits.