They're predatory in all probability.Use your remaining funds to acquire more income to pay your auto loan(s) and other consumer / unsecured debt. 

Diverse industries, academia, healthcare.. auto production and housing got hit hard in 2007 leading to phenom deals for investors with enough cash to complete rehabs and hold long term.

However, I like the ACH payment aspect and it auto-deducts. 

If you do not already have an Umbrella policy (provides additional Liability coverage if a covered claim exhausts the limits of your Home, Auto, Dwelling/fire, ... policies) you may want to consider adding it. 

Its interesting to think how you and the world will be different 5-10 years down the line.Just driving my Tesla on auto pilot and knowing the software will allow full self driving is amazing.. having been a pilot for most of my adult life I am very familiar with auto pilots in planes .. and how great they work when they are working right.. 

how DSCR works:Market rents and a rental agreement with deposit at closing.Loan to value is determined by market rents vs principle interest tax insurance and HOA ( property has to cash flow).Often you need large down payment or equity to refinance to get the property to cash flow.Decent FICO score (score is part of the price or rate).All your credit card bills/auto loan/other loans times 12 or 24 for reserve cash (cash in checking is not taken orsecured but it proves you can make all the payments if things go wrong).Rates much higher than conventional as is risky, non owner only.You don't have to be experienced BUT you have to have one mortgage paid as agreed ~ no forbearance.Terms and rules vary from lender to lender they are generally loaning their cash, or brokering to a wholesale lender.Can be done quickly.

Do you have an auto loan?

We just take out personal auto insurance & we add a umbrella.

The moves suggest at best a pause and at worst an end to six-plus years of a bull run in credit, where financial firms have been eager to lend and underwriting standards for credit cards, auto loans and personal loans have been relatively loose.Lenders are scrutinizing applications for credit cards and personal loans in particular because consumers often turn to them when they are in a bind.

It's like an auto accident, if it's your car, your insurance will have to handle it, even if a friend drove your car.