Lenders may count eligible assets as additional qualifying income by dividing eligible assets by 60.🔹 Example in Action:Rental income: $9,000PITI: $9,500 → DSCR <1 (not qualifying)Using $63,000 in assets → Adds $1,045 in incomeNew DSCR >1 → Higher LTV (80% instead of 75%)🔹 Why This Matters:✅ Helps investors qualify for better financing✅ Increases borrowing power and flexibility✅ Allows you to scale your portfolio fasterUnderstanding financing tools like this can be a game-changer for investors looking to maximize opportunities.

You can easily look them up on https://nmlsconsumeraccess.org/If they are a commercial lender, you may want to check for google reviews

Regardless of whether the owner turns a profit, brokers are called up on to sell, lease and manage, lenders will finance, contractors (often affiliated with PM companies will be called upon to put out the constant fires).

IRA Loan (Non-Recourse Loan)Some lenders specialize in non-recourse loans for IRAsThe IRA itself secures the loan, but expect a higher down payment (35-50%)3. 60-Day Rollover (Temporary Option)You can withdraw funds from your IRA tax-free for 60 daysIf you return the funds within 60 days, no penaltiesRisk: If you don’t replace the money, it’s taxed as income + 10% penalty (if under 59½)4.

An investor-oriented lender would have done that. 

But if you have good credit, and this is a conventional loan on an investment property that is a SFH - you should be getting a lender credit, not charged points at 7.125. 

Just because you haven't heard from the Lender, A.G., FTC, FBI for the last couple of years doesn't mean you are "in the clear".

You will want to interview at least a couple of realtors and determine what resources they have available for you in several arenas (lenders, contractors, more). 

Find a private lender who would give you that debt for a lower amount.

Quote from @Chris Seveney: Over the past quarter, I have seen around $1B in defaulted fix and flip loans - many of these from new lenders since 2020 and more of a "tech platform".As we all know, the intersection of tech and real estate investing has brought incredible innovation, especially in hard money lending.