A DSCR Product is what you are looking for, DSCR Loans aren't based off of your income, they do not report on your personal credit and they are beating conventional investment rates in most cases.

I'd think even where sub to or seller financing is most common, maybe the markets where it happens the most, maybe it achieves 2 or 3% max.The few times I see it in our area personally, is almost always on a 5-10 unit non-performing asset that someone can't get a loan on because of the debt coverage requirements.  

A few ideas for lead sources:Drive for dollars, then cold call the list.Get a list of houses in foreclosure from court.Try to get the "hard to get" lists (ie, where you have to go in person, not available online). 

It's the land/location increasing in value - not the home itself, in my personal experience and opinion

I am deeply passionate about providing personalized, high-energy, and professional services to our valued clients, ensuring they achieve the results they expect.

I personally have closed on a handful of properties with owner carried financing and have negotiated terms for several million in private notes for clients.

This could limit your ability to refinance in the future to lower your payments.Rental Viability: Renting out a very new home (built in 2019) may not be ideal due to potential wear and tear concerns and the fact that it's less likely to need significant repairs or updates that tenants often expect.Local Market Considerations: Chicago's property market is known for high property taxes and historically slower appreciation compared to other markets.Financial Necessity: If you don't have a strong financial or personal reason to move, such as proximity to work, family, or lifestyle changes, it may not justify the hassle and costs of buying a new primary home.I am a loan officer so feel free to reach out to me directly if you have any other questions or would just like to discuss!

This home required a lot of work which I personally did.

This home required a lot of work which I personally did.

Use your personal card and reimburse yourself.