You're running a business...you are not a social services provider. 

I focus heavily on the sell side and on the buy side only work with high net worth individuals so the newbie wanting a 400k multifamily with an FHA loan probably isn't for me. 

I am the boots on the ground and provide all of the time and my partners supply the money.

Or paying off my debt, while I provide them with a nice house to live in instead of an apartment. 

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 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

I'm testing with the California addresses you put in there at the bottom.import requestsfrom geopy.geocoders import Nominatimimport jsonimport timeAPIFY_API_URL = '' # Plug in the provided API URLdef geocode_address(address): geolocator = Nominatim(user_agent="redfin_scraper", timeout=10) # Increased timeout to 10 seconds try: location = geolocator.geocode(address) if location: return location.latitude, location.longitude except Exception as e: print(f"Error geocoding address {address}: {e}") return None, Nonedef search_redfin(lat, lng): search_url = f"https://www.redfin.com/stingray/do/location-autocomplete?

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

I know there are services that provide proof of funds but I view that as misrepresentation. 

Smaller deals may sound "small" and yet they can provide a great deal of experience.4.

@Bob Asad I like the individual sub account method escrow account, but there are multiple different ways to hold security deposits and multiple laws in different states.