This direct approach made their efforts more effective.

Understand the contracts you sign and how each detail of the investment can be effected in each scenario.

Many lenders generally have a 1-year lookback window where things will change as soon as its been 12 full months without a mortgage late (then will essentially no longer be a penalty besides any effect on FICO score)

Remember like add-ons to a vehicle purchase purchasers effectively increase the amount of capital borrowed. 

Maybe you just haven't found a lawyer who isn't a wimp. lolJust trying to show some of the other effects you may not be considering, if you settle.

If not, I'd appreciate any advice on how to set this up effectively.

What strategies have you found effective in building relationships with potential private lenders? 

For beginners, it removes the pressure of meeting strict income requirements, and for experienced investors, it provides the ability to scale their portfolio more easily.How to Use DSCR Loans Effectively in Real Estate InvestingTo make the most of a DSCR loan, it's important to choose properties with strong rental income potential.

The effects may re-appear, but it's very unlikely to almost never that the causes are why. 

It’s just the valuation.If I don’t fight this valuation, I am paying taxes on a higher assessed value than what I bought it for a year ago (they do 5 year assessments) and it’s effectively a 40 percent increase in taxes vs 2017.