Thank you both for your responses. 

Readers should seek professional advice.Thank you for your wonderful response, Ashish!

Hi Brian, Yes I did a bit more research after the initial response and found the same information you just described.

Hi Dan, thanks for your response.

Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

Expanding on Kim's response.

Plus the other benefits outlined by the responses in this thread. 

That Last sentence to your response is "mic drop" worthy @Randy Achi! 

@Laura Shinkle great advice all around in this response!

Managing renovation costs and timelines is crucial to maximize returns.