A DSCR product is what you are looking for.DSCR simply doesn't take into account your personal income, instead we qualify the loan on the properties rental income (or projected rental income).Your credit, properties cashflow, loan to value & prepayment penalty are going to be the main determinants on what this loan looks like for you.

Thank You We have a product that we fund out of our balance sheet with no seasoning for cash out.

It’s important to make sure the lender offers both options so you can transition smoothly if you go with the BRRRR method.Cash Purchase & Mortgage Later: Yes, non-QM lenders offer a product called "delayed financing," which allows you to buy a property with cash and refinance later.

One thing with Obie is that their product is non-admitted and they have multiple writing companies. 

Yep, you can use a product like a debt service loan to close in an LLC. 2.

What kind of climate would keep you more productive? 

It's well worth the price in my opinion.If you have specific product questions their support rocks and I'd recommend their Discord community.

I founded First Access Lending to provide access where others can't.I can write second liens up to 80% CLTV on investment homes, sometimes with rates lower than cash-out loans, AND you get to keep the low rate on your first mortgage.The products are rare, so I'm not surprised to hear other lenders saying they don't offer them and/or recommend other products.Let's connect, and I can give you a quote!

I will likely focus on adding another long-term rental using DSCR product

Unless Cozy has started back up or another entity using the name with a similar product suite?