Document List (state.ny.us)

https://www.biggerpockets.com/...12 Frequently Asked Questions (And Answers) About DSCR Loanshttps://www.biggerpockets.com/...8 More Commonly Asked Questions and Answers to DSCR Loanshttps://www.biggerpockets.com/blog/eight-questions-and-answe...What Documents Do You Need for a DSCR Loan?

After i posted, i did check with the lender (it's actually a box that's also checked on the closing documents that i didn't realize) but my loan is not assumable if i sell the property.

There are short term construction lenders FULL DOCUMENTATION, the whole novel of borrower past 30 months.

Also, we inherited that tenant when buying the property at a foreclosure sale and section 8 was very helpful in providing all documentation, last signed lease, renewal or rent increase instructions, inspection information, etc.

Quote from @Joshua Thang: Yes 2 closets, minimum height requirement met, it's bigger than the bedroom than the other rooms that was considered a room, 1 window, and 1 door.Personally, I'd have the loan officer do an onsite walkthrough of the house and document the third bedroom for underwriting.

If the issue is more involved or personal (for the tenant), I would probably choose to speak over the phone about it, BUT if there is a result from the conversation that I wish to document I can send a follow-up text to do that.

They way full doc programs work is they use this worksheet: https://content.enactmi.com/documents/calculators/Form1038.C...This approach will allow you to add back the paper loss of depreciation, and add back mortgage interest, property taxes, insurance and any HOA dues. 

I got them to prepare the necessary OAs with my objectives in mind and file any required documents.

It does Require more documentation as you’ll need to document the time of others, but that’s the way to do it