Would this be a flip, brrrr, traditional Rental, owner occupied?  

Where your traditional renter was the tourist, you now have the retirees, digital nomads and other work from home crowd to boot.5.

I am talking about more traditional real estate.. like when I am selling one of my new constructions they must have a pre qual from a lender I know and trust.. if not I wont sell it to them.  

Traditionally, DSCR loans that allowed STR have always wanted DSCR to be calculated on long term rental rates OR 12 months of actual performance or some heavily hair cutted version of Air DNA and all of these products would price gauge on rate.

I've noticed in my area that houses that have been converted into 2 units tend to sit on the market for much longer and sell for much less than traditional single family houses with similar sqft and finishes.

More importantly, we don't know 1) your capability to pay 2) the seller "requirements" or needs, 3) property condition / collateral valuation and 4) why you don't just buy traditionally. 

In this case the consumer over estimates the risk of an hourly model costing more than a traditional commission model.

Income-based lending is mostly for people with traditional jobs.

But everyone basically signed those agreements late into the search right before an offer was made, and because the seller almost always paid, it wasn’t the traditional negotiation you’d have upfront with a seller, 2ndly while I do think this is a net win for the consumer, the idea that the doj “solved a problem that didn’t exist” 1st of all it wasn’t doj it was a jury in Missouri 2ndly the issue is regardless of impact on consumer’s they were almost certainly violating anti-trust law which is illegal lol, the publishing of commissions and the fact that something like 98% of all agents were paid between 2.5-3% was textbook, imagine if the price for a ritz and a motel 6 we’re basically the same, you’d think collusion right? 

Unlike traditional loans, DSCR loans focus on the property’s income rather than your personal DTI, making them ideal for investors with multiple properties.