Lots of investor friendly wholesalers, lenders, title companies, agents etc.

Hey @Mario J PerezAdvantages - Processing time, underwriting conditions, paperwork requirements, not impacting debt-to-income and/or personal credit, can own many and close in entities reducing personal liability (to name a few).Disadvantages - Rates tend to be a tick higher (less and less these days) and fees will be a few thousand more per deal, can be very regional, higher appraisal costs usually (based on the need for a 1007 rent market analysis on every one), can have weird underwriting conditions (lender specific)30,000 foot view at it, but the entity/personal credit side of things make DSCR loans really helpful as you start to scale, and especially if you are doing any personal borrowing for personal homes, cars, etc.Hope that helps!

*Maybe apply to some lenders, and use the money on the credit cards to fund the projects?

Get pre-qualified with a lender (talk to several lenders in your market to get the best rate)2.

I heard the 100% financing community is littered with scammers and I was wondering if anyone has completed a deal successfully with a lender who offered 100% financing. 

And a good lender can show you what your costs and monthly payments would be in different scenarios. 

And most forward thinking lenders are not in NY yet.I need cash out for as much as possible to get myself personally square and also refinance this mortgage.

If it's financed already with a conventional lender, it's best to ask them.

Or does anyone know a lender that will not require wind cover and just allow hazard and GL since I also have to renew my loan 

definitely go with 50-60 . some lenders want to see as high as 65%