I completely understand almost all of the frame work and bases but just need actual advice from someone one on on.

Based on some online searching, it appears that the rate gap between conventional investment property loan and DSCR is pretty narrow at the moment.

Based on that, the initial numbers seem to make sense, but I'd love to hear from someone that has actually invested there.

Approval is based on rental income, not personal income.

Keep in mind this lender does not know you  does not really know the property.. they are simply making a loan based on a loan application and some sort of apprasial..

It is my understanding that it isn't like traditional loans like mortgages based on personal debt to income ratios but more about the properties income potential?

Residential RE is based on what your neighbors pay so if you are all in less than they are every time you are doing well

Quote from @Christian Pichardo: Hey all,I have been listening to Bigger Pockets content for maybe 4 years and finally have removed myself from some side hustles, have the capital, and grew the...brains to start real estate investing.QUICK BIO:I am based in New Jersey, I work as a marketing/efficiency consultant, and have 2 avenues of real estate investing:Short-Term Rentals: I have 3 short-term rentals using my parents apts in NJ ( 1 of them just launched in Nov) for the past 2yrs near NYC (1 of them just launched in mid-Nov).

I have a short term rental that I self manage and am considered a real estate professional based on material participation rules.  

I'm also looking to connect with realtors in those areas to continue expanding and also for a mentor to help in the process as I only have a base line knowledge.