Depending on your income level, you may be able to take some losses on your return.

There are no municipal-level rental restrictions. 

And you get feedback at a level high enough to determine how to proceed. 

I’ve been working with several lenders for DSCR loans, but I’ve found that the fees are quite high, with minimal benefit in terms of lowering my current interest rate.

In addition, due to them being eligible for conventional non-commercial financing they typically have lower cap rate than 5 units and more.  

Are there any lenders who are lower than this, I've been brokering myself.

But at the local commercial level, you’ll have a more in depth underwriting review process  

I understand that it's unrealistic to expect anyone to treat your property with the same level of care you would, but the company we hired has been a NIGHTMARE. 

You can try reaching out to a bunch of them but you most likely will get lackluster response if you don't show some basic level of commitment on your end. 

I believe it tends to give me a slightly lower return, because the sponsor is going to be more careful, and if there is a severe downturn will prevent me from taking catastrophic losses.