Are these type of little to no doc products getting more common again?

Its a product we offer, just doesn't get a lot of play, because its a pain to refinance that seller out down the road.

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.

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

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

Terms range from SOFR +400 for a relatively low leverage note on note product to prime +200 with a 10.5% rate floor for note buyers seeking 75% leverage.

What kind of climate would keep you more productive? 

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!