Keep in mind that DSCR loans are how most investors have scaled. whether its residential DSCR or commercial DSCR at 5+ units. personally, i like them better. few reasons why:1. seasoning period is only like 10-30 days vs 60days going conventional2. seller max contributions DSCR is 3-6% where conventional its only 2% max3.

Build connections with local professionals, talk to them in person, and value there time over yours.

Personally, I wouldn't offer SubTo or a Wrap, For reasons I've written about fairly extensively. https://www.biggerpockets.com/forums/70/topics/1227199-the-m...However, I would sell on "Lease Option" and that may work for you.

For my own personal goal reasons, I am going to still with searching for a lender who will be open to it.

I have personally worked with @Wale Lawal and he is awesome. 

Hey @Logan Barwick, I personally like option 1, but this depends on what your strategy is to grow your real estate portfolio.

Gator most of the risk is on the person providing the earnest money.

I love talking personal finance and real estate investing so I would be happy to help.

Have you calculated what your (monthly nut) is you need to survive business wise and personally?

Required good credit, adequate reserves, full doc commercial loan with a personal guarantee.