I've got a great group of people I've been talking to to help me along this process, but the more I can hear from different actual investors, the better.

Additionally, for rate-term refinances, many DSCR lenders have no seasoning requirements at all.Easier qualification: DSCR lenders have much lighter qualification requirements than conventional or portfolio lenders, such as no DTI, income verification, or tax return hurdles that can slow down or disqualify loansFlexibility: While conventional and bank lenders are heavily regulated and follow standardized rules, DSCR lenders have much more flexibility and control over their guidelines.

Excel remains my go-to to analyze rental deals in great detail.

And agree with you, we need identity verification, criminal records, eviction history, income verIfIcatIon, credit check, etc. it has to be more than just a credit score or something basic like that.

If they are VERY professional, they will have their processes in writing as verification that it is enforced equally and fairly by their entire staff.6.

No income verification needed! 

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

There are often times special consent forms required, several types of identification or even fingerprint verification to release consumer information.

I agree that I probably need to to tweak my system, but setting up/tweaking those systems do take time and energy that I’d prefer to spend elsewhere—e.g. being a mom or buying and renovating property.

Hi David,They are both recent, however I find it strange as I’ve already submitted verification.