Conventional wisdom says that DSCR should be more risky and as a result, more expensive than conventional loans.

Are there any lenders here that can finance a conventional loan without a full 2 years of work history?

Quote from @Nicholas Goerss: Hello all,I am getting ready to start looking at lender for my second conventional mortgage to buy my second property.

Focus on understanding financing options like FHA, conventional, or creative strategies, and practice analyzing deals to build confidence.

Since I own these properties (and the home I live in), I was explained by the broker that when I visit my properties, even to do repairs or haul appliances, I'm essentially just transporting tools/appliances from one of my properties to another one of my properties (not a business).

Quote from @Leonard La Rocca III: So is it common to find a conventional loan without meeting the lender in-person?

Here are the key details:Property Type: 5-unit mixed-use building (2 retail, 3 residential)Asking Price: $5,200,000Building Size: 4,526 SFLot Size: 1,573 SFAir Rights: 4,939 SF availableLocation: Prime area, corner lot, close to public transportation and major attractionsFinancials:Total Annual Income: ~$359,305Net Operating Income (NOI): ~$278,686Existing Debt: $4.375M @ 4.28% (assumable, maturing 1/2031)Rent Roll:Retail tenants with leases extending through 2024Residential units are all 3-bed/2-bath, free-market, with luxury finishesI’m trying to figure out how to best analyze this deal and determine if it’s worth pursuing.

Both Conventional loans and DSCR loans can offer this flexibility, depending on the specific scenario and borrower qualifications.

Posibly find a Transport business to work for.

I gave a presentation on this exact topic at the Rental Property Association of Wisconsin Annual Convention last year, and the key takeaway was that all rental strategies have their merits, but you need to know what you’re signing up for.