Your lender should use the f/f that can finance the property.  

;) Hi Janet, Are you a hard money lender or a traditional lender?

Hi Taylor, I'm a local, direct lender here in Austin.

You're welcome to contact me if of interest.Most lenders are average, and most people use average lenders.

Just curious to see, are there any DSCR lenders out there that offer 90-100% LTV Cash out refinances on a 2 unit, multi family property?

@John Barton correct, on a single family home no lender is going to give you rental income to hep qualify.  

Lenders look at the property’s ability to cover its own debt obligations through rental income, rather than analyzing the borrower’s personal debt-to-income ratio.Because these loans are structured to be self-sustaining, they sometimes don’t get reported on your personal credit report.Why DSCR Loans Still Impact Future FinancingEven though DSCR loans may not show up on your credit report, lenders still have ways to see their existence when underwriting future full doc loans.

Sorry this isn’t a detailed post, but I’m looking for a recommendation for a rockstar lender in Cincinnati.

Are there any lenders that allow less than 20% down on a DSCR loan?

Hey Gabe, I'm not a lender, just a broker and investor with my own experiences.