DSCR loans offer alternatives for DTI/income and employment, but generally still have strict personal credit requirements. 

I don't see you in our system at all so I am unsure who you may have as an account executive but I would like to offer to personally assist you with any questions/scenarios you'd like reviewed. 

I think a settlement offer is very possible in either situation.

Our mutual friend, knew the arrangement that I offered her in letting her rent it at the lower rent as is.

Once you start making offers, the whole process of underwriting then offering is time-consuming enough. 

Unlike other state, it does not provide an amount that is the minimum offer.

Currently met lender  who offers extremely good terms. 7% int only split over 2 years.

A few days ago, I told you that your letter of intent or offer is probably based on what kind of person they are.

Credit Unions can be great but you're at the mercy of their individual guidlelines and old school Underwriting "gut checks".We(Lower.com), offer HELOCs on investment properties and 2nd homes, we go off of the "Agency Definition" of a 2nd home which is "occupied for some portion of the year".

I am sure there is something I am missing here. lol    The reason people don't like to do this is that it adds a layer of complexity and expense, but it does offer many rewards.