You can get personal references but nobody gives you a bad personal references.

DSCR loans are a great option for anyone that doesn't fit the conventional "box" - DTI isn't a factor, no employment info needed, no W2s, paystubs, tax returns, 1099s, etc. needed, you can close in an LLC if you want to and many lenders don't report to personal credit, so those loans won't affect your credit score/DTI for any conventional financing you might pursue in the future.

They noted, while they can technically go to 75%, in recent deals, they are closer to 65% due to DSCR covenants.And maybe this is expected, but I would anticipate having a personal guarantee, fully-recourse loan for retail.  

While personal credit may also be evaluated, particularly if a company member holds at least 25% ownership, demonstrating sufficient liquidity is equally crucial.

Wholesaling is very appealing and I'd love to meet with any current wholesalers who can give me some personal advice or expertise.

Looking for a Texas lender that can answer some questions or give opinions on doing a cash out refi on a rental property to help pay off personal debts. 

A month later now, they are insisting I come and see the place in person and see "how well it turned out".

I own and operate Platinum Resort Assisted Living (A Memory Care Mansion) in Georgetown, Texas

House hacking will also give you some personal "property management" experience.

Yes, a lot of personal finance people preach the rent option, but house hacking is almost always superior.