That being said, I approached a local DSCR lender who refuses to look at my specific rental strategy in underwriting. 

If this is a 1-4 unit residential loan, most appraisers and lenders are going to use the sales comparison approach.

A balanced approach—leaving some 401(k) funds for diversification while allocating after-tax dollars to real estate—can optimize tax efficiency and meet retirement goals.This post does not create a CPA-Client relationship.

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

I think the failure of thought is to think any 1 singular approach alone is any kind of "silver-bullet" sure thing. 

The beauty of this approach, is that she manages the exact way I want my properties to be managed.  

A college student getting an engineering degree should consider different approaches, even if he decides to deploy some/all of the inheritance in real estate, than a high school dropout working a minimum wage job. 

When looking for your next potential property how will you approach the analysis? 

I think 5% is a pretty standard rate to estimate with, but beyond that you might be higher or lower depending on your approach to landlording. 

If you contract is free to come with you, that would be the best approach.