I would reach out to an accountant that is located in your market to ask this question.

DSCR is a no-income verification loan.

@Erwin McClain many investors want to do this for the extra income, but PMCs do NOT want to do it because those same investors won't pay enough to make it worth all the extra challenges.

Although a DSCR is lenient on your personal income, they will still require a relatively clean appraisal.

If not, what are other creative financing types that do not require income verification (or limited verification)?

With housing prices skyrocketing, the increasing cost of raw components and lumber, and labor shortages, the idea of owning a piece of income property is just not in the cards anymore for many individuals.

GROSS Monthly Income >= 3 x Monthly Rent.

It has been performing very smoothly, zero unexpected expenses + having the rent steadily in my account every month.

Cash out refinance puts the cash into your hands and money is power and it can be kept in a savings or another interest earning account to offset the mortgage rate.

You just have to season the funds which means get it into a savings account 3 months prior to the purchase application.