They are farily easy and do nto require much to get started and the Max LTV is going to be 75% but I have seen some exceptions to 80%.Rates are subject to a few thing like loan amount, property type, number of units, credit score and downpayment.DSCR allows you to purchase with No employment and No tax returns so its a little easier. 

My first property was tough, (credit not in place was a challenge - luckily, got some help on this!) 

For your first commercial deal, your best home is probably going to be with a local community bank or credit union. 

Thank you very muchJaša This is how traditional banks, private credit funds and anyone in the lending space works.The challenge you will have is finding someone to give you money at X%. 

Start with these three key points:Current SituationAssess your current or expected capital and credit within a realistic timeframe.

if you're a few years out before starting in the US with RE Investing, the best thing you can do is work on your credit and safe money and start establishing business credit with banks and credit unions here in the USenjoy Panama, and good luck

Great credit scores and plenty of income from my W-2 source. 

Count on the rate to be at least 1% higher than where you'd be for a primary residence, and to maybe even cost a little in points depending on the program, your credit scores, etc.Happy to help you think on this more if you want to setup a call.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Quote from @River Sava: Hey April - Refinancing after a year if there's limited equity depends on your goals—lowering your monthly payment, cashing out, or switching loan types.The process usually involves checking your current loan terms, appraised value, and credit situation.