Hi Wade,DSCR loans are business-purpose loans that qualifies lenders based on their credit score and rent/debt ratio (rent/PITI). 

I'm a wholesaler/investor based in NY who work in other markets looking for other investors to collaborate with and are involved in networking groups!

It feels like one requires the other...refi requires good credit...good credit requires the refi...Does someone have some insights as to how to do a home equity line of credit based on an appraisal and with a low credit score?  

Either with residential or commercial, yes, there are programs that would allow you qualify based on income/debt.

Hello,I am based in St.

I know Brentwood is mostly nice but Pittsburg could be iffy based on certain neighborhoods.

Housing is approximately 35% of cpi (inflation number)Housing while it’s based on current rents is lagging based on how it’s calculated.So to get to 2% inflation what do you think has to go down???

Nationally, the numbers should be down at least -20%, based on permits.

Once you exceed the term you are “out of surrender” and can take the money and do as you please, annuitize, or continue accumulating based on the type of annuity you have (fixed, fixed index, variable).  

I shop it every year and the most recent company I work with has been really good with pricing but still doesn't make sense based on our 15 year history of having no claims and paying out every year.