If DTI is a problem for a new investment property loan but you have everything else (credit, downpayment, etc), then DSCR loans are probably an excellent alternative.

Can anyone recommend a good alternative to Quest Trust Co, now known as Inspira?

Alternatives to ConsiderIf you want to involve an entity for liability protection or other reasons, here are some potential approaches:Assume in Personal Name and Transfer to Entity:Assume the loan in your personal name and later transfer the property title to an entity.Important: Transferring title may violate the loan’s due-on-sale clause unless explicitly allowed by the lender.

If you are the lone supplier of a specific housing product and there's pent up demand you will absorb your units quicker and have tenant stay longer given the lack of alternatives.

Indeed, the FAIR ordinance is anything but fair to non-corporate landlords, seemingly punished for investing in rental houses to generate income as an alternative to stocks and bonds.A handful of opportunists likely could learn to exploit these new rules, preying on otherwise law-abiding landlords to obtain legalized shake-down payments.

The alternative I had pursued the last two years was hard money lending.

Put it down in the stupid tax column and the cost of learning about the different types of alternative invesements that are out there. 

An other alternative is VaultLocks keybox that allows for a temp.

There are some very good alternatives to using QB, including Xero and Wave. 

Do you think that taking bigger risks may have alternatively landed you in a dark and cold place?