There's a very good chance the issue(s) you face have already been discussed and answered.Go to BUILD YOUR TEAM at the top of your screen, and you can search for other MEMBERS or LOCAL MEETUPS.

Hello @Daniel Windingstad,Live where you like but invest where you can make money.Out-of-state investing is often your best option if your goal is financial freedom through real estate, because the chances of living in a city that can support this goal are slim.

Plus, investing in a developing area gives you a chance to see your property appreciate as the neighborhood grows.However, there are some things to consider.

Well, any chance any of those guys used jobsite hand cleaners and flushed em?

If you treat all applicants as equally as possible and research fair housing, local landlord/tenant laws, and required state/local disclosures, you’ll have less chance of accidentally causing yourself problems.

This will have a chance to settle over the years till we are ready to build. 

The longer you wait, the more chances there are for problems, which means dollars out of pocket, which means added cost to the REI, and even more of a delay to the profit point. 

It gives all the creditors a chance to collect the debts owed.

If so, there's a good chance I'm a year or two away from that property cash flowing, between savings and increasing rents.

And I'm projecting here, but it seems like the banker went through the list of named loans in their head like FHA, VA, jumbo, etc and wouldn't have "DSCR Loan" in a drop down list to select, as if you were asking for a FHA loan, so was stumbling a bit.I'd maybe suggest asking more about how the loans are underwritten when speaking with a mortgage officer and if saying "DSCR Loan" doesn't seem to get you traction, maybe ask something like "well, I was hoping that my request could be looked at from a DSCR perspective as well as any other underwriting you do for the best chance at approval because of XYZ."