Hey @John FriendasI have purchased 4 of my Co-Living (rent by room) properties with DSCR, 1 of them within the last few months.Not that I necessarily recommend this, but there are short-term-rental DSCR products.

The owner should look at it more like a DSCR, and should be pricing the property and offering terms such that the income from the property is adequate to pay back the loan.

Verifying last 2 years of rental history and income extremely important to find the “best of the worst”.Make sure you understand the Class of properties you are looking at and the corresponding results to expect.The City of Detroit has 183 Neighborhoods we’ve analyzed.PM us if you’d like to discuss this logical approach in greater detail!

The Tenant agrees to maintain an active renters insurance policy for the duration of the lease term and any renewal periods.

Maybe...In human terms?

If you were renting to an only a couple as a long term tenant and they beat each other up (domestic violence) your liability is minimal.  

Why do you say its bad for the original owner long term?

I’d offer to sign the form if I was allowed to cross out everything between brokerage firm and during the terms.

The term Certified Broker is intentionally deceptive in my view. 

Real estate investing can be an effective way to build long-term wealth, and among the various strategies, one has gained significant popularity over the years: BRRRR.