The average consumer here would probably never realize this is done, but I have experienced it first hand on multiple projects.

Certainly didn't make it's way into the hands of any consumers that's for sure.

Continuous participation.This is great if you are talking about an SMB with effectively connected Real Estate.Note rental activity is considered passive unless you meet the RE Pro threshold of 750 hours and more than 1/2 your time.This is the conundrum for passive real estate investors.If you have a full-time job or a large, time-consuming business it can be difficult or impossible to qualify.A huge loss from depreciation if you have one LP investment isn’t going to do anything for you.

Limited Regulatory Oversight: Fintech companies that operate without a banking license may not be subject to the same regulatory scrutiny and consumer protection measures as traditional banks.

Sellers are slowly realizing there are fewer buyers and focused on working with those at the table.

Hello Sarah, Most of the time Financial Advisors aren't able to make recommendations within real estate because FINRA and the SEC make a really big deal about suitability for the consumer and most advisors aren't licensed or educated in real estate therefore they can't make any recommendations regarding it. 

We advertisers would buy banners and email links, sponsor crap and flourish all without the consumer (eye balls) being force fed.   

I know people at the H/As locally and I think the decision here is they get fixed amount from OHCS (and local funds) and think more vouchers at lower rates is better than fewer vouchers for more. 

Fewer Requirements: Private lenders are typically more focused on the value of the property and the potential profitability of the deal, rather than your credit score or income.

They would have more experience with DSCR calculations and may pick up on what you're getting at more quickly compared to a loan officer who typically works with owner-occupier customers.I have no experience underwriting consumer loans so I certainly could be wrong about who can or does what but my point is to not get hung up on needing something called a "DSCR Loan".