DSCR refinance are not under Fannie/Freddie products, and the qualification process is based on rental income and PITI, rather than W-2 and tax returns.

Just wondering if newly weds can still qualify for the exemption and if my wife not being a citizen will hinder any capital gains tax exemption qualifications.

@Raymond Cardenas- correct ...using a 401K loan for down payment purposes is normally  acceptable  and  wont  affect your qualification ratios 

https://www.rentspree.com/blog...Landlords and property managers are required by FCRA regulations to legally review a tenant’s credit report (with consent) for the sole intention of determining an applicant’s qualification to rent.

Plenty of pro's including easy qualification, low documents required for underwriting/processing, and just overall convenience + turnaround time, among other nuances that make it a great loan product.

change the qualification status and allow this strategy?  

Feel free to inquire about their staff qualifications if it's a larger organization.2.

Here it goes:1) Investor fills out our app.2) Investor quickly submits POF.3) Investor answers pre-qualification questions.4) Call scheduled with me and we talk for a good 60min and have a fantastic call (Investor is made aware of our entire business model and how we operate.

After talking to the assigned CPA representative from the firm (in another state), I said I wanted to talk to the CPA team – and hear about the qualifications of the team.

I kept the application paper short and didn’t state qualifications on it.