If an investment property, there non-warrantable DSCR loan options.Some details:Loans available for purchase, rate and term refinance (no cash out) and cash-out refinanceCredits score down to 620LTV are up to 75% for purchase and 70% for cash out.Rate buydown feature available.DSCR (lower of gross rent lease or Form 1007/216 rent divided by PITIA) as low as 1.0x.For experienced investors (one year of investor experience and own home), short term rentals can be structured off of 12 month short term rental history with 20% expense factor.

Hi Andrew,We've been wanting to develop our backyard for some time, and are looking for partners to supply the gap funding on a construction loan.

Whenever you apply for a loan, the credit reporting agencies will give your information out to solicitors.

Hi Hoa,Given the loan amount is less than 100k, HELOC is a more suitable option unless you need more capital.

A 4plex can be done with conventional mortgage, but anything above that will be a commercial loan. 

Always ask about the loan process and what to expect, as some lenders can operate differently than others.

She estimated we could loan up to 500K on a mortgage with 5% down at a 6.8% interest rate. 

Hey Joseph, I 100% understand what you're going through.My wife and I used a HELOC, 401(k) loans, and even an additional personal loan to acquire rental properties in Detroit from 2019-2021 ultimately acquiring 12-doors.We paid cash, renovated when necessary but some were also turnkey, and refinanced out on the backend.

Is there an easy way to go about that and what is a reasonable amount to ask back on a 30 or 60 day loan?

If you are looking to tap into equity of an existing rental property, your best bet is either cash out refi using DSCR loan or 2nd equity loan.