Some of our borrowers are focusing on 4 bed 2 bath section 8 to push those numbers even higher.I pay close attention to 4-bedroom homes in Memphis for S-8 clients 

In the foreclosure crisis, was it the banks’ fault, or borrowers for not reading what they signed?

I've borrowed this strategy from my clients. 

They also want a priority lien on the property.It sounds like you are looking for someone to fund your down payment, I would be looking for an equity partner over debt as nobody likes to lend money in insecure positions, especially when a borrower lacks skin in the game.How much are you planning to come in with yourself?

Banks, particularly smaller banks who provide real estate loans are increasingly focused on their borrowers maintaining depository relationships.

I borrowed the $25k down payment from my parents at 8% and got the deal done.

Seeing a lot of borrowers have success across the country, especially with the BRRRR method and the AirbnBRRRR methods! 

But other times, it could be a good way to start a conversation with borrowers that really don't have a clue what is a "decent" rate on a DSCR loan.

They didn't extend loan maturities because they were looking out for borrowers--and the moment they feel the market is strong enough for them to liquidate the asset they will foreclose and/or force a sale to recover as much principal as they can. 

So they started doing the loans that everyone else turned down, ultra high risk development deals, second mortgages, land loans at ridiculously high LTV, loans where the borrower has none of his own capital invested, 85% of AFTER stabilized value loans.