So you give us contradiction and a deafening silence as to those who are too poor (no, insufficient, insurance) or are unwilling to pay/co-operate.Woolly thinking on your part, Jim.

This doesn't give me too much to work with, and as a student, I still have 0 income :(.

In this manual (which I assume could be modified to provide to tenants) I include all the financing information (which you would not include for tenants) bank accounts, mortgage accounts, payment information, and mortgage payoff), a list of the contractors, what each contractor does, a list of upcoming planned or necessary repairs, and a copy of all leases associated with the property.

if your asking me Joe  I suspect wrapping a DSCR loan would be an event of default with those lenders.. and one would risk having the loan called and a lot of times if you have multiple loans with the lender they can call them all in default..

I am guessing that the vast majority of homes 10+ years old had some sort of water damage at some point, most had probably several.My own home is only a few years old and we had the washer spring a leak and a few years later the RO system in the kitchen started leaking into the cabinet.Seller disclosures are pretty useless in my opinion.

If I thought for one minute there was a big market for EM deposits and a reliable bevy of potential clients I would be all over funding 7 figures .. but even with all my experience in lending I jsut dont see it  personally and maybe I am blind to it but I close a lot of deals for wholesalers 10 to 20 each and every month for years..

BTW, the rental property is cash flow positive.Good questions @Bob DoleJust a quick not to clear up any confusion, Flips are not rentals, and as a result, don't depreciate.

At the moment with 3 rentals (6 total units), I have one account and a credit card associated with it.

Depends what you're looking for really, it might be worth discussing your strategies and goals with a broker, a national lender, and a local CU. 

Do you want this thing to be the tipping point for them to leave and you have turnover costs and a vacant unit?