DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

I wasn’t thrilled about paying more on top of the base cost as well as you.

With your income and plan to pay off student debt, you’re in a strong position.

@Jerry Zhang, Gino's suggestion is a strong one.Why guess? 

Appraisals aren't based on potential.

Occupancy has remained strong and PadSplit is hitting new booking records regularly.Here are some articles to review in the meantime:1. https://www.padsplit.com/host-resources/news/how-affordable-...2. https://www.padsplit.com/host-resources/news/why-padsplit-is...

I have been investing in real estate in my local market for 10+ years (flips, private lending, rentals). I am currently in the process of selling my portfolio of 13 rental units spread across four properties. In CT, n...

A HELOC carries a higher rate over a shorter amortization usually 10 or 15 years and a mortgage carries a lower rate over a 30 year amortization offering a lower payment.You have to run the math in each scenario because the math differs based on a few things like Fico score, CLTV, Loan size, and time frame between purchase and refinance of new property.

ARV based on an appraisal or DSCR with 12 months.

Again, this is based on my own experience, so others might disagree. 1.