So as the new build went on, we focused on improvements to our first home and got it ready for tenants.

Reports to credit bureaus.

This would buy time to improve cash flow or explore better refinancing options.Ask Your Lender: Would they consider lowering the rate temporarily or extending the loan period while you stabilize cash flow?

Hey @Bailey Rentz, I'll say that we use QuickBooks Online exclusively for all of our Clients and they are constantly working to improve the bank feed feature and specifically the connections.

For VA loans, here are some solid options:Veterans United (veteransunited.com)Navy Federal Credit Union (navyfederal.org)Caliber Home Loans (caliberhomeloans.com)USAA (usaa.com)Not sure if I can post a link here in the forum. 

Utility improvements.

Unlike banks, which offer limited loan options, brokers have access to a wide network of lenders, including niche and non-traditional financing sources.Here’s what they do:Assess your financial situation to determine your borrowing power.Compare multiple loan products to find the most favorable terms.Negotiate rates and terms with lenders on your behalf.Guide you through the application process, ensuring you meet all requirements.Example: Suppose you have a lower credit score or unconventional income sources.

It was a personal referral, received a credit at closing for renovations as well How did you finance this deal?

One of the key challenges I’m facing is understanding the financing options available to someone without Canadian residency or a local credit history.From my research, it seems that a 35% down payment is often required, with interest rates around 7.5-8.5% for non-residents.

The plan was to pay cash, refi out and use that to improve the property.