Rather than comparing Lenders/DSCR loans solely based on these factors, I would advise you to focus on below questions and prioritize what you really need in the DSCR loan/Lender? 

HOA fees are usually higher but compared with a 25% management fee,at another complex....condo-tels can be profitable for sure.

For example, You might study an area and find that you can buy $125K home and average rents in the area for comparable homes are $1100-$1200.  

@Keegan Darby  To truly compare private lending to holding you'll want to pin down your ROI a bit more.

Very sorry to hear that :(What is the land value and also the replacement cost i.e. cost to rebuild a comparable unit?

Quote from @Evan Polaski: @Carlos Ptriawan, you are talking about syndicators and passive investing with very broad brush strokes, but then comparing to your unique direct investing experiences.  

What are the pros and cons compared to other platforms? 

I'd compare the blended rate with how much you could get with a refinance otherwise and tell you whether it's a better idea to go with a full refinance or the HELOC route.Feel free to PM me if you don't want to share this information on the public forum.

Depreciation for what is left after bonus depreciation, the building itself, is indeed prorated, however it's a relatively minor factor compared to bonus.And read this post please, since there could be other things not mentioned by influencers: https://www.biggerpockets.com/forums/51/topics/1122635-the-s... 

Within the region, the City of San Diego also experienced a rise in its vacancy rate to 4.22%, compared to 2.64% last year.