Understanding cash flow and expenses is essential.

I would echo @Brandon Croucier - the secondary market for DSCR's is super aggressive and rates typically reflect that.

But the value here isn’t in quick gains—it’s in long-term, passive income.Here’s what investors typically gain:✅ Cash flow – Rent covers expenses and (ideally) leaves profit every month.✅ Appreciation – Over time, the property value increases, adding to your wealth.✅ Tax benefits – Depreciation, mortgage interest deductions, and write-offs help offset costs.✅ Leverage – Financing lets you acquire assets without tying up all your capital.Is It Worth It?

Some carriers don't ask but you should make sure that you're not indicating (in the policy application that is typically e-signed) that you aren't using your property for student housing if you are.  

@Venka Pulla It’s frustrating when a property manager isn’t meeting expectations, but transitioning to a new property manager is typically straightforward if you follow a few steps:Review the Management Agreement: Carefully read your current Property Management Agreement (PMA) to understand the termination process, including any required notice period.

Typically, the same applies to LLCs where you and your spouse are sole members (single or multiple member LLC).

If the bank prices their debt based on the fed rate you typically see WSJ Prime + 1%.

**Navigating Inspections**: Section 8 inspections are stricter than typical tenant move-in inspections, and that can be a hurdle.

Chicago’s unpredictable weather can sometimes affect project schedules, so it’s essential to set estimated start and completion dates.

They are essentially the same thing you are describing, but sharing an "expert opinion".I am also not a fan of how BiggerPockets itself is doing this same thing in the forum by posting blog posts and you don't have the ability to comment on the posting (because some times I disagree with the posting!)