Am I able to get out of the FHA loan and refinance into a conventional, investment loan, and what would that process look like?

On a DSCR loan, everything is based on the cash flow on paper.

By taking advantage of the low rates with the VA loan, I have been able to hold a property that cash flows $200 a month.

At end of year, they true up.What I would be negotiating is both a lower monthly CAM (why give landlord an interest free loan) AND a cap on what you will pay in any given year or for what.  

This is a pretty weird question, I know, but I am curious.I get that you can do deals pretty much anywhere, and there are good deals all over the country, but I don't believe that the markets are equal in this regard.For example, if the seller has the ability to look at your credit as an investor (which throws out one of the sole purposes of doing a seller finance), versus states/markets that don't require that as much, I would like to know the states/markets where owners checking your credit history is not going to be prevalent in a deal, assuming the seller is willing to do this kind of deal with you.For context, yes, I am a new and aspiring investor, and due to certain circumstances, my credit is currently not the best, but I don't want that to stop me from investing in real estate (which is why I'm leaning to using seller financing).Please no answers saying that I should just raise my credit score and get an FHA/Conventional loan, because I am currently working on raising my credit, but I can't give a time on when my credit will be "back to normal" again, which could mean I could be stuck on not qualifying for a loan for the next couple of years (ain't nobody got time for that).Thanks for the help!

When you shift in and out of properties you pay fees for commissions, loan origination, transfer taxes, etc. which will silently eat into your gains.

How long do you hold money for if someone asks you for a loan and you hold the amount that they need?

Credit union is offering 6.5% mortgage loan for multifamily property. 

I figure the interest only payments for land loan would be roughly $2,100/mo. (800K @ 8% for 3mo).

Has anyone used https://www.umeprojects.com/ for loan assumption?