Is there seasoning when converting from a HML to a DSCR? Does it matter who funds the HML?

Do we do loans for the above? TIA!

Do we do HML for Mobile Home Rehab and then convert to a DSCR after? The mobile home may or may not be on land but in a park.

I submitted a deal (for the buyer) on Friday that may be too messy for the back-office staff. I don’t even have a copy of the current PSA (just the numbers: current loan payoff, rehab cost, amount seller wants, etc.), but a foreclosure sale is coming up in less than 2 weeks, so I just submitted what I had. Buyer is actually hoping to close this upcoming week. Buyer and seller can make the purchase price whatever it needs to be to make the transaction work. Buyer needs an Echo (and a hard money loan). The seller understands and agrees that the ECHO amount + funding fee will come off their side of the HUD statement (paid from seller’s funds at settlement). A to B contract only. No double close. The reason it was really messy on the submission was because the buyer had the rehab cost, 12 months Interest Reserve, closing cost, etc. included in their purchase price. All the items are listed separately in the submission but totaled together as the purchase price. I didn’t realize this until after I submitted it. I don’t think any HML is going to do it that way because if that total amount is the purchase price that money belongs to the seller and not the buyer (to use for those expenses). For future submissions, should I try to get buyers to understand issues like this and clean up their contracts before submitting?

I changed email address on the profile page of my white-label site (My Deal Machine). Just wanted to confirm all the places that updates my email address. It changed the email address that shows on my white-label site and for the login. Hoping that also changes the email address that will attach to future submissions at my white-label site. That is, the first couple auto messages that go out after a submit and the CC address that the back-office staff uses when they email the client? I am guessing it will not change anything on submissions that have already came through and started? Also guessing that’s the only places it changes anything. Example: Does not affect email with Skool membership.