It allows a greater money raise than CF, allows for both accredited and non accredited investors, they do not need to go through a platform which charges stiff fees, and they have to get qualified by the sec so they have to provide financials and go through background checks to get qualifiedThe costs for qualification are also six figures so you would assume the company has some financial backing and experience behind it as I would not suspect one would drop $100k+ on an offering with no experience.

There is no qualification, appraisals, or other difficulties.Your credit score is NOT impacted by your policy loans like it might be with a bank, as they are collateralized by the cash value in your policy.Your debt to equity ratio on the property stays intact because the equity from your real property is not being used to fund the loan, thus maintaining elasticity if a downturn in the market occurs (which happens all the time… it is not a matter of if, but when ) and the real property would need to be sold.The best insurance companies charge low rates (in today’s market around 4-6%) (some companies offer fixed options) for loans.So, it is possible to get an financial arbitrage when profits are borrowed and repurposed to third parties.

If you have any issues with DTI qualification or are hitting limits on conventional, then a commercial "DSCR" loan may be the better option, even if rates will be a tad higher. 

if you were to use traditional financing 75% -70% LTV, depending on the refinance type and loan amount:If you were to use DSCR you are able to do up to 75% if gross rents cover proposed mortgage payments, if that is not the case then you would be limited to 70% LTV; We have many Non QM investors exiting the business and lots of investors are tightening up their lending qualifications..Also, there is seasoning requirement with some exceptions...Please note, programs might have additional restrictions/incentives for specific states..For example higher minimum LTV%...As an incentive example if you are a minority investor, you might be eligible for an interest rate reduction...Feel free to reach out with any questions!

These loans are going to be a bit higher in rate / points (generally 1% higher or so) but have a lot of advantages such as easier qualification (no W-2 required, no DTI or income verification), allow for borrowing through LLC structures, don't show up on your personal credit report, etc.Here's a helpful article on BP on this loan productDSCR Loans: What Are They And How To Get The Best Terms https://www.biggerpockets.com/...

As part of the qualification for the loan, the lender will include your profit/loss of your rental recalc'ed using 75% of your rent schedule (NOT your profit, but your rent).the fannie mae guidelines allow for the use of expected rent as part of your qualifications. 

Paying for a service to issue a qualification letter without doing their due diligence would be negligible.

There weren’t big changes for the eligibility criteria, but the notice clarifies the nuances that could impact your qualification.

If it's a larger organization, feel free to inquire about their staff qualifications.2.

Be sure to put your minimum qualifications in a few different places.