(no waiting period to simply refi what is owed) DSCR programs are not purchased by Fannie/Freddie so they can set their own rules and some have a waiting period as short as 3 months. 

I'm in the camp of get help from a real person as opposed to listen to more podcasts and read these threads.I'll agree that you need to be very cautious with a "Program".

They aren't the best when it comes to DSCR loans, but that isn't to say their DSCR program is bad.

Reach out to the Marcus & Millichap offices in Columbus/Cleveland and have one of the MMCC commercial mortgage brokers produce a few quotes for you.If you don't have the time to research contact info / programs for 25-50 different lenders and make the calls/emails necessary to obtain optimal financing, hire a broker.

I'm skeptical of most programs and gurus, but he seemed legit.

I'd say forget the AI buzzword hype and go back to programming something useful based on real transaction-level data like below (that can help you with any deal you find, from whatever source you have).Sales Comps & ARV estimate:Market Stats:AI won't be able to provide you anything close to this, nor does the RedFin/Zillow market data drill down into the market as deep as I do here.Additionally, if you understand how the leading LLM's work based on a black-box floating point matrix, you just can't trust their conclusions like you can with your own program.

You mentioned that you're not interested in grants or fundraising, I'm curious what type of operating budget and actual program you have in mind.

I am thinking two things:  First, do you have a spreadsheet or program of some sort that you can share with me so I can analyze a deal?  

The property either has to go through the tax sale process, receivership, or some other program (donation, etc.) to have the liens abated. 

And the best part is they help you through the entire process of learning how to run the program with many tips for hosting an STR.