They don't even have two-factor authentication (e.g., SMS code on login), or at least don't enforce it for me since I chose to signup using Google.

Assorted things.Realistically, on a triplex that's not fully rehabbed, without assuming tenant damages I'd be factoring in roof, flooring, HVAC at minimum on nothing more than a 10 year cycle (5 is safer).

My guess is in that price range and limited window, you will not make enough additional appreciation to make renting it out make sense, so unless you planned on keeping it forever as a rental you are probably best off selling and cashing out.

- How do you factor in the costs of rezoning or obtaining permits, if necessary?

If it wasn't for the fact I do not want to rely on him for money  ( I have some in savings, but would not last forever), I just have never wanted to be a woman that had to rely on a man, but no one is going to hire me at 7 months pregnant LOL you know?   

It is an upfront cost for a lower rate forever.

An ounce of prevention is worth a pound of cure. ...I've bought properties with bad sewer lines, but I KNEW what I was buying because of the scope, and I factored that in to my numbers and offer...without the scope, I would have no idea what I was buying, and I would've wound up with a significant unanticipated capex.We inspect every other part of a property before buying.

But properties that are always right to hold forever are few and far between.

Rather than comparing Lenders/DSCR loans solely based on these factors, I would advise you to focus on below questions and prioritize what you really need in the DSCR loan/Lender? 

LLC Fees, Travel, marketing, etc)You can deduct overhead costs in the year incurred.Costs related to the property are accumulated and factored in until the sale of the property.