Most banks that carry Fannie/Freddie loans have a seasoning period of 6 months which is a long when you have carrying costs. 

I got an email today from this company where their entire platform is built out around assumable loan data. 

I have a property in Baltimore that's completely paid off but is ground rent. I have already been approved for ground rent redemption but have to wait another 90 days before I can pay the amount due according to the c...

I had one lender tell me I need to get a construction loan first and renovate and then refinance that into a DSCR loan.

this is very tough loan to get and normally happens with friends and family or if you have free and clear property to use as cross collateral.. if you dont have that.then be very careful of fake lenders who will tell you what you want to hear and get you to send money in advance of funding.. internet is full of these types. 

The VA loan is an excellent choice.

Just playing devil's advocate - if you do manage to get 80% of 185k, would the property still cash flow with current rates on DSCR loans?

To earn passive income through private lending, investors should ensure the borrower has a solid track record, and the loan is secured by the property, and agree on a competitive interest rate and repayment terms.9.Real Estate NotesReal estate notes involve purchasing the debt on a property and earning passive income through interest payments.

I'm curious if this uptick is due to many investors being involved in hard money loans and now facing the need to refinance, unexpectedly encountering significantly higher interest rates compared to a few years back.

However, rents keep increasing and, assuming you get fixed rate loan, your p&i is fixed.