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In Mexico, that won't happen; you'll be shot if you get involved in the drug business, which most people won't do.

Of course the worst case is actually getting lawyers involved and I wouldn't go that route I just wanted to make the basic contract law argument about the PoA's limitation. 

Personally I have not had much luck with seller financing when there are agents involved - most don’t understand it and think it just makes the deal more complicated.Did you check with your bank to see if they will mind you having a second loan on the property?

Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

However, make sure to check the program’s guidelines and requirements—sometimes there’s added paperwork or inspections involved.

It’s exciting to hear you’re diving into real estate investing and involving your daughter in the process — house hacking a small multifamily is a great way to start.

My background involves social work & non-profit management before getting into real estate.

For the last 22 years I've been involved in real estate as a house flipper, with extensive experience in building and renovation contracting, owned a residential property management company, and now have a private money lending business (licensed NC re broker).

My name is Jared Smith and I have been involved in various real estate investments since 2006 when we did our first flip in the PNW all on a CC!