I typically use private/hard money lenders and what is happening is that the top 3-4 that I use will only be able to do 2-3 loans and then may run out of capital.

I don't, and I've brokered 262 mortgages in my first 3 years.

As responsible Real Estate Investors,  we want to educate them on their options:  Mortgage relief programs, loan modifications, forbearance, short sale, etc. 

We already know that hard money lenders make roughly 10-12% in holding costs and all of that.

Considering most properties in this space are of a lower value, you can buy as many as you would like and bundle them into one mortgage.

Most lenders may not give a HELOC because you are near 90% LTV. 

I believe I have two options.Property Info:Purchase Price: $365,000Current Loan: $329,000Interest Rate: 5.7%Mortgage:$1900PMI:$130Insurance:$157Taxes: $320Current Rent Left: $1200 (Market $1400)Current Rent Right: Owner Occupy (Market$1800)1.

. $155k left on mortgage bought in 2010 for $200k.

Each room will be rented separately.How will lenders determine net income for calculating DSCR (ratio)?

The people I’ve encountered in my 40 + years as a real estate investor and private lender who are successful have the following in commonThey are educated as to principles of real estate; real estate law; and real estate financeThey LEARN something new about real estate investing almost every day, and are open to realigning their strategy, tactics, and portfolio to encompass new information and knowledgeThey SPECIALIZE either in a strategy, property type or geographical area, and become EXPERT in that areaThey have survived real estate “depressions” where property prices have dropped 20% - 50%They understand the difference between real estate investing, operating a real estate BUSINESS, and having a real estate job.They network, for knowledge, capital and most importantly DEAL FLOWThe key thing to consider when you watch a YouTube video, take an “introductory” seminar, or read a guru’s website, is what is the subject persons BIAS?