From my numbers I'm seeing on a 30-year fixed:$183,000 Loan Amount / 7.25% Interest Rate / 30-year fixed fully am = $1,248 per monthAlso, if you choose an IO option (for DSCR thats first 10-years interest only)$183,000 Loan Amount / 7.25% Interest Rate / 30-year fixed, 10yr IO = $1,105 per monthTBH - this seems like a pretty good deal, maybe you haven't found the right DSCR lender?  

On the commercial Freddie Note the numbers were: 4.88% interest; 80% LTV loan; 10 years fixed; 10 add'l years floating for a 20-year term; 30 year amortization period; 1 year IO up front. 

For example, one of my hard money lenders also offers portfolio lending for the refinance at a 6% rate which can include up to 5 years IO with a prepay penalty of 5% in year 1 and 1% less each year until year 5 when it becomes a standard loan essentially.So the question is then, when does it make sense to use the IO option?

If the seller agrees                                   with this arrangement, the interest only payment will be                                                           $1,500/monthly or $18,000/annually, and the payments after the IO                                       will be $2,375.27 for 25 years.  

No balloons, I/O, or funny business.  20-25% down is typical on the FRM. 

I just want to clarify if you are accessing the site on the mobile browser or the iOS app?

Is the IO period adjustable?

FL, NY, MD, CA, VA, NJ, Horizon Bank, Kalamazoo MIHuntington MI 75% LTV 5 yr IO product available.

@Allen Lopez Pen Fed will do a Heloc at 80% LTV on a rental if it's held in your name, not in an LLC and you have 3 properties or less including your primary. 12 year draw, tied to prime + 1%, no closing costs unless a physical site visit appraisal is needed, if closed within 24 months they will back charge the fees they waived in opening your Heloc ($400-$600), you choose I/O payments or P/I payments. 

First CommonwealthFirst Midwest, up to 90% Chicago areaFirst Republic - CaliforniaFulton BankGFA Federal Credit Union 10 yr draw, 10 yr repay, MAGranite State CU, NH 90-100%Great Lakes Credit Union Hanscom FCU, FloridaHSBC 70%, for premier clients only Horizon, Kalamazoo MichiganHuntington 75% LTV 5 yr IO product available Hurst Lending and Insurance Investment property HELOC in Texas.