Its almost identical if not higher quality than The Home Depot products...

With just 20% down vs 25% for conventional and no income verification to worry about other than the DSCR number, the barrier to entry is lower although the rate and fees will be higher.

I recommend you use a duplicate book if you do cash receipts so you each have an identical copy but I may be a little over the top on that one.

These loans are going to be a bit higher in rate / points (generally 1% higher or so) but have a lot of advantages such as easier qualification (no W-2 required, no DTI or income verification), allow for borrowing through LLC structures, don't show up on your personal credit report, etc.Here's a helpful article on BP on this loan productDSCR Loans: What Are They And How To Get The Best Terms https://www.biggerpockets.com/...

You will need verification from an impartial third-party stating that your property satisfies Zero Energy Ready Home or Energy Star standards.

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

If the numbers are virtually identical, and without knowing the specifics, follow the numbers and then go with your gut.

Identity politics is a dry rotted wooden crutch.

Running an actual income verification report tends to provide a more accurate picture and removes the risk of getting fake stubs.My advice.. 

You're selling a house and you have two nearly identical offers on a $300,000 home.1.