Depending on the deal's profitability, some will only require you to bring 10% + closing costs to the closing table.

@Jedd Braunwarth Hi I was just wondering if you still do that round table meet up?

No, we would be bringing some money to the table for down payment, closing costs, etc.. 

Someone waiting tables while finishing nursing degree, and had some credit issues, YES, gimmie them, I will happily deal with them, those who give a shat about there lives and are clawing way up.

I suppose we would see granite workbenches and stainless steel table saws appear on the market so you could sit one next to your living room and feel good about it.

I host a vendor table.

Otherwise, I have experienced a number of DSCR lenders try and bait&switch at the closing table or right before getting to closing because they thing they have you in a choke hold...good on your for walking if that was the case.

So you are going to be bringing money to the table here and you will want to do a rate and term refi and some places will let you go 80% on rate and term. 

I've been pounding the table on Detroit since I figured it out in early 2019. 

Good question.When you get a primary residence mortgage, the promise you make at the closing table is to personally owner occupy for one year.