Thanks for Replying, Carolina,My credit score is close to 800 (shouldnt be a problem) last time I checked few months ago and property is long term rental producing good return.

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.

I would find local credit unions or small banks, essentially portfolio lenders who hold the loans in house.

Also, due to KC mayor creating this ordinance, which to highlight and summarize includes:bans discrimination against tenants based solely on:"-Source of income from an occupation, including gig work or paying rent in cash-Use of public programs like Section 8 Housing Choice Vouchers, disability checks, or social security-Poor credit score-Prior evictions and alleged damages older than 12 months (less than 12 months can be a basis for denial)-Prior convictions or arrests (sexual and violent crimes are excepted, a landlord can still deny based on these convictions)-The ordinance also requires the city to proactively scan for rental ads using discriminatory language like “no Section 8” or “no past evictions”.

I will keep everyone in the loop here,,,Of course the easy way is to meet before or after Iris Veneracions excellent Investment Club for Womens meeting that happens once a month in Studio CityDave Doyle

Hello Andrew,To answer your questions yes by going DSCR or blanket loan most DSCR and blanket lenders don't post the tradeline on your credit.

I guess my question is, am I correct to say that my only course of action is to call this guy to ask for his information?

Business credit cards?

I gave tons of information to the bank and within 4 weeks I was credited every single dollar that was paid to the contractor.I also considered going after him legally, but after speaking with a lawyer in our area.

This isnt exact but if your gross monthly income is twice that of your current monthly debt on credit report plus your new housing expense you make enough to qualify (roughly).