DSCR Loan

Hey,

Because of my lower credit, approx 540 and being late few times on my mortgage I cant cash or refinance anything out.

Would it be wise to do a DSCR Loan as my current rate is 3.5%, home value is 540k and owned on propety is 250k

The goal is to take out 30-50k and used it to fund marketing campaign and generate more leads for my business

Keep in mind, the property is currently rented out wirh 2 year new lease at $3,500 and the mortgage is $2,500

Ideally, I take 10k towards fixing credit and living a debt free life.