Hi Dan, thanks for your response.

So far he has been very responsive and goes over and above for sure.

As a full time investor/wholesaler in Memphis TN I would say if the numbers are accurate then it sounds like a good deal.

You want an accountant who can help you strategize and who is responsive when you want to know the consequences of the financial decisions you are making throughout the year.Good luck.

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)

Readers should seek professional advice.Thank you for your wonderful response, Ashish!

I was told it's more difficult to find tenants for smaller multi-units(duplex, triplex, etc.) due to compatibility, but I'm not sure how accurate that is.

Is that accurate?

They are in Fountain Square, Crooked Creek, and Forest Manor/Audubon Gardens.I normally see expense ratios sitting around 40-50% for SFH's, is this accurate for this area? 

They are MUCH more responsive and even managed to recuperate most of the owed rent via landlord/tenant assistance programs.