I’ve bought some houses with 0% interest for a year credit cards and a few with consumer lines of credit from banks.

Our cleaning fee covers professional clean, laundry service, and consumables. 

DTI ratios are generally used in consumer/residential (aka primary) mortgages when the property is in your personal name.

Congrats on orthodontic residency, though I know residency will be time consuming as well. 

Check out our comments on Pissed Consumer for more about this poor excuse for real estate investing software.

DSCR loans are generally done in the name of the LLC (or whatever non-personal name entitle owns the property), so I'm not sure why you're being told they can't lend to the LLC, unless you're trying to get a traditional, consumer mortgage.

I would never put in a gas range, oven, dryer or any other consumer product for tenants, because a lot of them are idiots and will kill themselves or someone else.

It would not surprise me if they were acquiring the paper and servicing rights to take an inside line on refi's for these customers if rates decline.Actually CFPB regs may NOT apply if the subject loans are investment or commercial property loans and not SFR owner occupied or consumer loans. 

@Luke H.If the buyer is living in the property now it’s a consumer loan compared to a loan to an investor and will kick in a lot more regulationsYou can’t do a balloon less than 5 years, need to have it serviced by a licensed servicer, will have to go by interest rate usury laws, collect escrow…..I would not loan on this property to an owner occupant

All the various consumer laws exist specifically to stop bad actors from doing stuff like this.