It super easy you sign up to have a quick call and do a quick tutorial with a Rep and you receive a certificate that you give to the Banker/Loan officer.

Kieran, the best bet here is to refinance with a DSCR loan.

Try to get preapproved from a local loan broker or Co-op. 

I make loans on Memphis properties for investors.

I was told the reserves are a requirement of the REIT loan that we have.

Conventional loan, 25% down at ~7% interest rate How did you add value to the deal?

Proper underwriting - this includes an appraisal, loan app and full underwriting to comply with CFPB regulations.2.

You have an excellent jump start- the VA loan is such an amazing tool to get the ball rolling.

I get a DSCR loan on the property and we try to suck out as much money as we can to leverage the property at 75% of the ARV.

Here’s some guidance to help with your next steps:Hard Money Loan: Hard money lenders can often cover both the purchase price and some rehab costs (up to 70-75% of the after-repair value or ARV).