This is super helpful thank you!

I hope this helps and please feel free to send me a DM if you have any questions.

They show on your tax returns, and bank statements.There are many underwriting tools to expose private money ones that claim they don't report to the bureaus- they also sell and securitize the loans so what they told you on the phone is of no value, they get reported.All NonQM standard DSCR loans show on your credit report.DSCR gone bad shows online, in court records and in the curbside view (property appears distressed and attracts code violations/fire inspections and investigations...

You can also check county records for filings on the property.If you have a relationship with an experienced investor, they may have the tools to find things that would affect title.

This structure seems to work best for house hackers looking for roommates in their friend group to help cover the mortgage.

@Steve Hodgdon really appreciate the help.

If you have any specific questions feel free to reach out I enjoy helping and talking REI!

Any insight would be helpful

You could even look into companies like PadSplit that help with renting by the room scenarios.

Happy to help if you have any more questions