When you have a proven track record of performance, then you can play with other people's money. 

Every lender has guidelines; that’s why it’s important to perform due diligence with lenders, just as they do with borrowers. 

I likely purchased this property too quickly as it was the 4th property we toured and we didn't negotiate on asking price as the house was previously under contract and my agent advised against lowering.

Some packages genuinely improve property performance, while others might feel excessive.

Therefore, it is advisable for the client to consult with their CPA to receive personalized guidance tailored to their unique financial situation.

Though DSCR gives you a better picture of how the property is projected to perform vs debt service, you can't rely solely on one measure to make a purchase decision. 

I need some advise:1.

By working with a high-performing team, you can absorb as much as possible.

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator – so, they often select the first PMC they call or that calls them back!

Your name and credit would stay with the existing note, which you would keep paying on - ideally yourself with money you receive from the "buyer", because if they don't pay your credit is wrecked and your house is in foreclosure.If you search on here you'll see everyone and their brother looking to do Subto and it's a nightmare unless the buyer has the funds to pay the note off if/when the original lender figures out you don't occupy the property any more and are attempting to do what you want to do, since most loans are going to specify that performance.