It's not necessarily a bad thing if it's executed well, but could cause a lot of headaches if executed poorly.  

Personally, I like the all-in-one units but they are expensive and poorly suited for larger units where it will take forever to get a load of laundry done (since you can't move the clothes from the washer to the dryer).

I've used PenFed, which was really a great product for an owner occupant.  

It's a special product.Regarding not having a standalone HELOC product, in 2022 during the heat of the low rate boom we did suspend our standalone product, and I can absolutely understand that wasn't ideal!

I provide huge value to them by delivering a product for their clients, and they provide huge value to me since I get more eyes into the property that I'm selling and am favored from an already built-in relationship and trust between the agent and buyer.

There's a common belief that properties can "fail" inspections or appraisals or they certain loan products can't be used on distressed properties.

Very slimy realtor here locally with a poor reputation.

Great write up, choose your poison, but different products are suited to different situations!

I have not found a good review online for it and keep meaning to email them back and see if they would provide some references I can talk to and ask questions about their experience with the product before making a decision. 

DSCR Loans are going to be strictly business-purpose 1st lien loans - so something like this with a closed end second or HELOC is going to be a different product entirely.