DSCR loans underwrite to the income of the property, and do not require your personal income, taxes, debt-to-income ratio, etc.Of the 1,100+ loans that our team closed last year, I want to say that only 1% to 2% of those were closed in a borrower's personal name.So, it is pretty irregular for us to process an investment property loan under a personal name.Clients usually opt for closing in their personal name if they simply do not have an LLC established yet. 

Quote from @Arthur Crum: Jay, my cousin is an attorney and he is simply looking at the contract for me.

By interviewing your investment team, you can identify this segment and the properties they are currently renting.Buy PropertiesOnce you identify the tenant segment you want to occupy your property and know what they currently rent, all you have to do is buy similar properties.

It's simply a numbers game. 

Business owners won't want to get tied up in litigation and if there is a good chance they will lose, it is easier to simply follow the contract.How would that work with a lower-end tenant? 

Sometimes you can bring to life an old cabinet simply by painting it, putting new hardware on, and maybe updating a light fixture in the room that shines brighter, and not yellow. 

You can simply build a relationship with a great Real Estate agent or sign up for Propstream.  

Most Heloc rates right now are around 7.75% to 10% so if you look at your blended rate between your fist and Heloc you would be better off doing a cash out refinance.A lot of people forget or simply do not know that if you do a cash out refinance the rate does go up but in 12 to 24 months if you do a "rate and term" refinance you can get it back down fairly close to where it was at prior.

So when my clients work with me, I simply guide them through the process of originating their own loan (legally, in the states that allow it).

If her goal is to provide some of the proceeds to her ex in good faith, she can simply sell the property, have a tax professional estimate the taxable gains.