We are using credit unions with a 25 yr am, 2 yrs I/O.Most community banks will also go to 2 yr ams.

If you do not own a primary home its easier because you can claim any 2-4 unit as primary and only have to put down 3.5% for FHA, 5% for Fannie Mae or No money down 100% of you are a Military Veteran.Live in the home for 12 months refinance pull some cash out and move on to the next property to buy.

Is DSCR refinances the best option if I can not find a local credit union/bank to work with me on these cash out refi's? 

@William ThanI suggest speaking to local banks and credit unions.

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I had a sub to seller do that to me.. we closed and she walked right into the credit union and told them she sold the house and was not going to make anymore payments..

Instead of going through banks or credit unions, this method involves borrowing money from private individuals or organizations.A major benefit of private money lending is the flexibility it provides in terms of loan conditions, interest rates, and repayment schedules.

Two years ago, the military PCS moved me to Washington, DC, and it has opened my eyes so much about the potential in the rental market.

Try a local bank or credit union.

Normally the credit unions are the place to go for the best heloc rates.