If an investment property, there non-warrantable DSCR loan options.Some details:Loans available for purchase, rate and term refinance (no cash out) and cash-out refinanceCredits score down to 620LTV are up to 75% for purchase and 70% for cash out.Rate buydown feature available.DSCR (lower of gross rent lease or Form 1007/216 rent divided by PITIA) as low as 1.0x.For experienced investors (one year of investor experience and own home), short term rentals can be structured off of 12 month short term rental history with 20% expense factor.

Moving forward I plan on doing 2-3 flips per year which will be will be Cash deals with no loan.

Whenever you apply for a loan, the credit reporting agencies will give your information out to solicitors.

You could borrow up to usually 50k for mortgage loan.

Our ski in/ski out STR in Colorado only went online late Dec. 2023 so my data is very limited.

Always ask about the loan process and what to expect, as some lenders can operate differently than others.

Furthermore, the only way I can pay him is giving him my credit card info over the phone....he has no online payment portal.I still owe him for the inspection ($435) and am hesitant to hire another inspector right now.

I also say that because as the property appreciates you can always refinance the loan to gain more cash flow or cash out etc..Rarely have I seen investors hold their loan for the full term.

She estimated we could loan up to 500K on a mortgage with 5% down at a 6.8% interest rate. 

A 4plex can be done with conventional mortgage, but anything above that will be a commercial loan.