@Heidi FischerI just answered your question in great detail in a separate long post:https://www.biggerpockets.com/forums/51/topics/1220969-expla...

We can't really give you a detailed amount of help with out more.Is it in Aurora, CO?

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

@Issa Santos- I found 8 lawsuits they've been in, but I don't know of the details. 

@Erich Hatch, I think having a GC provide estimates is difficult.

Here's a detailed guide on how to screen applicants: Application Screening Guide

About 20% use DSCR (usually 20-25% down) and the rest are cash or hard money or something else.For $325k purchase:1) As a broker I would negotiate down as its been on the market a while and its especially now in holidays)2) I would also negotiate seller paid closing cost credits, most loans allow 3% which should cover most or all of that.3) Assuming you paid $325k but got closing costs covered I would anticipate a minimum of $32,500 down and maximum $65,000 down depending on lending product chosen.4) Remember you still must furnish and I use $20/ft as a safe estimate to fully outfit an STR property.Best of luck!

Security deposit amountYou can find plenty of examples by searching for "tenant estoppel certificate doc" or exchanging "doc" with "pdf" for more options.Here is an example and explanation: Sample EstoppelSome have a lot of legal jargon but this document does not need to be so detailed.

Buying a home is the bay area retirement planYes, there are a lot details and differences for everyone's particular situation.

Then I(we) control everything.I know there are details to work out, and I am still in the thinking/planning phase, while I continue to save money, but is this a conceivable plan?