I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

However, I do see most rentals do 1x rent for a security deposit, so it would be another potential factor in a renter's mind when comparing your listing to another. 

If they confirm that it's an isolated event, I'd also recommend enabling multi-factor authentication on your account moving forward.

To use the BRRRR method, target 2-4 unit properties, look for emerging neighborhoods, network with local contractors, factor in property taxes, and work with an investor-friendly agent.Good luck!

There are definitely a lot of ways to structure a deal, and several abstract factors can come into play.

The real estate market is not a very efficient market, it is heavily influenced by deeply human factors.

Best thing you can do is to look at the factors that made those years ideal.

Trying to balance out cash on cash and overall house value over time.Thanks again Have and had are the two biggest factors here. 

They see the lower rent and don't factor in the extra expense. 

Actually the comps say $600k but I don't think I could get that as it will need a new roof soon and there is asbestos siding that is still in good shape, but it is still a liability) I am still in the home until my youngest graduates in three years, but she is the only one left and when she is not with me (50% of the time) I am at what will be our forever home in NH.