I use DSCR products every time because of this exact analysis with my own CPA.  

She likes the product and wants top of the line but not really good at negotiating with another contractor.

I don't even need to look at the listing- if it's been 100% quiet, it's one of two things:-There's no market for the product you are offering. 

Closed and am all good, used the new 5% multifamily product that came out last November 

Not everyone is cool headed in those situations and I think some subto buyers will "hide" (ghost the seller) when it happens.My big worry is the character of the buyers who are buying off the MLS at full price and borrowing money to close.

Would be really grateful for guidance and thoughts on how to be productive between picking up and depositing rents.

I would also plan on a maximum of 75% loan to value with either of these products, so if you get your $325,000 appraisal, plan on a $243,750 cash out. 

It's only natural to pass these costs on to the consumer, it's the same thing with almost every other product you buy.

@Kyle MasonTo increase your loan amount, consider strategies like increasing rental income, co-signing with a co-signer, using portfolio loans, negotiating seller financing, down payment assistance programs, paying down debt, and considering alternative loan products like DSCR loans, non-QM loans, and bridge loans.

From their point of view, you are ruining someone's vacation, and can't be trusted to supply a good product (your property).