The topic I am focused on right now is Investment Property Refinance.

1. Collateral is the property

2. DSCR - Debt Service Coverage Ratio is calculating using the revenue from the property

3. 30 year fixed term is available.

4. No income verification 

5. No Debt to Income calculation

6. Very little out of pocket cost

If the property cashflows we can finance it. Credit is important but not the only deciding factor.