Banks often have very rigid requirements, such as high credit scores and a detailed financial history as well as lots of paperwork.Private Money Lenders: Faster and more flexible.

But I can't help but think that I could benefit from the occasional discussion about real estate strategies or bounce opportunities off one another.Coach Carson's RPM program details below:Cost: ~$2500/yearBenefits (form Website):Personalized Coaching: Members receive direct support and feedback from Coach Carson and selected coaches, including monthly group coaching sessions, one-on-one "hot seat" calls, and small group coaching within Action Teams.Action Teams: These are accountability groups of 8-10 members that meet weekly over a three-month period to set and achieve goals, fostering perseverance and resilience among participants.Comprehensive Resources: Members have access to a repository of documents, systems, checklists, and more in the community swipe file, including tenant screening criteria, due diligence checklists, and rental analysis spreadsheets.Exclusive Community: RPM offers a private community of like-minded investors who prioritize time and freedom over scaling rapidly, providing a supportive environment for shared learning and growth.The Group Targets:Investors with experience owning 1 to 8+ properties, whether short-term (e.g., Airbnb), mid-term, or long-term rentals.Individuals who are coachable, hardworking, and value time and freedom over aggressive scaling.

In light of this, would lenders see me as a higher risk if I have a history of paying off mortgages early? 

The guaranteed rent is great, but don’t let that lull you into taking any tenant with a voucher—look at their rental history, employment, credit, etc.

Verifying last 2 years of rental history very important!

Whether you sign a legal "prenup" document or not, when you get married you agree to either the prenup or the laws in the state where you get divorced...

Is there a document that says they owe me extra if the utility bills get too high?

When we get farther into this process, I will absolutely ask to see all the leases and proof of payment history for the current tenants. 

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?

You only need a place to track tenant information, payment history, maintenance, etc.