There is not enough meat on the bone to involve an agent or an attorney.  

I've been involved in a lawsuit that settled right at a million dollars, and that was over 20 years ago.

Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

The local branch manager got involved, couldn't understand what I was explaining either, didn't want to admit it, and got defensive and shut down when I tried having my attorney explain it to her in a different way.

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According to dictionary.com, cybersecurity is defined as:1. precautions taken to guard against crime that involves the internet, especially unauthorized access to computer systems and data connected to the internet.2. the state of being protected against such crime.It is a very generic definition, but it's not too far from the truth.

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Can get it rent stabilized, sell 4 profit, rinse and repeat.

Personally I have not had much luck with seller financing when there are agents involved - most don’t understand it and think it just makes the deal more complicated.Did you check with your bank to see if they will mind you having a second loan on the property?

It's good to plan ahead but I'd focus on that first property, get it stabilized, learn the rental business, then move onto the next property once you've got your feet under you.