And you simply deducted lot value then you got to write off 50% of the balance year one.. and there was no recapture after a sunset period.. this was the gulf opportunities act post katrina. 

I know it sounds like I'm splitting hairs but some banks write HELOCs in their residential department....which won't write Investment Properties.

Quote from @Jeff Chisum: If a DSCR originator (keep in mind you don’t need a mortgage license to originate) tells you the loan will not be reported on your personal credit but require you to be a personal guarantor your next request should be; “I want to see in writing it will not be reported on my personal credit”.  

@Collin Schwartz Amazing write-up.

If it's not in writing then technically its up for grabs, you can fight the broker's split request.

I suspect the ROW did not want to get in an argument with you and just kind of went along with your thought process all the while knowing there is no way they are going to agree to your terms in writing. 

The strategy that I recommend is going to differ from the responses that I see at the time I'm writing my response.1.

By their own admittance, as I write this on 8/1/23, their latest update (received today) acknowledges they are STILL behind target.   

Those products do exist.Here's some tips on how to find lenders that write this in Texas and for everyone else just in case it get's researched.1.

Write those details down, then start looking for properties that match it.