Rather than comparing Lenders/DSCR loans solely based on these factors, I would advise you to focus on below questions and prioritize what you really need in the DSCR loan/Lender? 

If it is a private loan or hard money loan, chances are that they won't have an NMLS since it is not a consumer purpose loan. 

All this fancy mumbo fha guideline gumbo means is that your projected market rents assuming all units, if it were rented Times 75% need to be greater than what your monthly payment is  (PITIA = principal/interest/taxes/insurance/assessments monthly), other wise FHA will not lend at that loan amount so common solutions to this when rents are too low in your local market are to put more money down payment which defeats the whole purpose of low 3.5% down FHA doesnt it?

@Keegan Darby  To truly compare private lending to holding you'll want to pin down your ROI a bit more.

Very sorry to hear that :(What is the land value and also the replacement cost i.e. cost to rebuild a comparable unit?

You’re in a great place to learn and connect with others who’ve used real estate for similar purposes.

I'm not but was just today inquiring about property in The Villages for that exactly same purpose.

I could keep a limited amount of money in Baselane accounts, and constantly transfer in and out, but that sort of defeats the purpose.

Or she stops paying either on purpose or by accident and doesn't tell you and that wrecks your credit...

What are the pros and cons compared to other platforms?