I wanted to add to the Why, should a investment property buyer use a DSCR program over a Full Conventional purchase or refinance, as we do all programs, whether for a primary, 2nd home or investment property.Currently Full doc loans, meaning using tax returns (2 years) for qualifying can be tedious work and interest rates are higher compared to our DSCR products, since on Fannie Freddie conventional loans require LLPA's ( loan level price adjustments) added to the base rate.

It’s been a huge help in speeding up my flips.I have little doubt that “Marie T Debnam” will soon turn into “Account Closed.”Two questions, looking at the attached pics: Is this a joke?  

I will say though, if you take a look objectively you might easily find a way to adjust the floor plan with just adding a wall or door.

If one buyer doesn’t want to pay what it’s worth, someone else will.Know your market: If the market truly shifts and a buyer’s concerns are valid, it’s reasonable to adjust.

First, **reliability and speed** are crucial—hard money loans are often used for time-sensitive deals, so you want a lender who can fund quickly.

If you find a local realtor and loan officer who specializes in investing in your area, start having conversations to get up to speed on your market.

As we approach slow months I manually adjust my pricing to try and always stay just below the booked property line.

Like @Corey Hawkinson pointed out a person can still utilize them, but with much updated adjustments and conditional variations.

An appraiser doesn't make much of an adjustment, but the market will.

Adjust accordingly2.