If you co-sign, the loan will consider both your incomes but also both credit scores, so her credit could impact the terms or buying power.

I have really good income & have good credit -middle score is 768. 

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

hi @Alvin TaverasMortgage Broker here, i've been referring clients out to Credit Unions for their HELOCs. we have a handful of lenders that can do them, but i'm finding the juice is not worth the squeeze in the broker/ wholesale world.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

In addition to brokers, I would also suggest speaking to 1-2 regional banks/credit unions.

@James HumphreyI would suggest speaking to local banks, and credit unions.

Rates have been coming down the last couple weeks and it's possible to get rates in the 6s for DSCR loans depending on the LTV  (loan to value) and borrower credit score. 

Quote from @Brandon Croucier: Ive seen credit as low as 450, high as 830.Both of these are the 99th percentile though. thank you for some reason I thought 800 was highest.. its always confusing to me how they come up with those scores.. 

Hard Money Loans: These are short-term loans from private lenders based on the property's value rather than your credit score.