We all use private investors or NON/QM investors for DSCR but some again charge points and some do not because they UW the file (Mini-C).Most Bankers typically offer rate closer to PAR or less margin built into the rate.

I would suggest going to the find a lender tab here on bigger pockets to find a local lender who has the same products. 

You should consider private money!

When my business partner and I were still flipping we bought a couple through Auction.com and we always used a private money lender to fund those and our other flips. 

Investment Info:Single-family residence private money loan investment.

Hello, my name is Kamarye Hodges and I am a broker, I wish to gain insight and experience. Hopefully I could even provide some sort of value to this group and most definitely do business with some of you. I like to bu...

In our view, experience and integrity are by far the most important parts of any private loan.

You could get a loan from a local bank or private lender to fund it

I’ve realized I need more passive options, and have moved to a syndication and private lending.

Should you decide to do this full time and do more than 1 flip at a time, private lending and fix&flip loans will be the way to go.