I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

This happens 100% of the time a squatter presents a fake lease, deed or bill of sale.2) It takes several hours, if not days, and multiple calls for the police to show up.3) Even when they do show up and remove the squatters, the squatters sometimes break back in the same night.

Hopefully I could even provide some sort of value to this group and most definitely do business with some of you.

Sometimes you need to turn down applicants even though you have not picked someone to sign with yet. 

Consumer reports even has a report about how they're better than all the $300+ toilets.

Call the PM (I don’t think HABD will provide information on a property you don’t own - even if you can get them to answer the phone).

Is my only option a HELOC and can I even get one on this property thats rented.

So, if your current rent roll is still on the lower side, it could limit the amount you can borrow right now.However, if you have even a partial track record showing improvements.. say a few of the units are already updated and attracting higher rents.. a lender might take that into consideration when underwriting.

or even a local brick and mortar bank? 

Even a good one that costs thousands with the surrounding deck.My 2 cents.