The provider I am using allows for 60 days of continued coverage once construction is completed.

Can anyone on this thread recommend a DSCR lender who allows Padsplits?

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

After 2 years you can apply for a “Rent consideration” (I think that’s what they called it) as long as you still live there and that may allow you to increase rents by more than the annual allowance (probably designed for unit that are very low rents).

With current interest rates, and they are at least 1% higher with potentially additional points for non owner occupied property, it is hard to find properties that will allow for positive cash flow after paying the mortgage, if you are looking for money for the down payment from a private lender, those are normally at higher than market and I am not sure it would be possible to pay it off.... please remember you need to take into account that you may not have a tenant for a certain amount of time, a tenant may stop paying rent, or you will have a big ticket item to fix, so I would wait if I were you and save to have enough for the down payment and closing costs and perhaps some money set aside for repairs. you also want to make sure that you have your own emergency fund outside of the money needed for the investment property because life happens ....

Before this marketing program took off the individual in question had carelessly left his fingerprints on a glass of water.  

I would contact your bank and make sure they no longer allow for it to be deducted. 

I would like to connect with like minded individuals.

I believe sometimes a bad experience is more reflective of the individual than the company. 

Some counties have API as that allow you to access their tax records.