It has a text capability.With that said, I'm spending a lot of time in Twilio right now as I see huge upside coming in that platform.You could be up and running with Podio & Globiflow for text within a very short time.

I don't disagree with a lot of your sentiments but the numbers don't work on duplexes in our market anymore like a traditional duplex where people want to house hack so in my opinion a triplex is the best. it also allows you to have highest asset value possible. in terms of our single family spec homes compared to our spec triplexes the triplex build to rent have the most interest. 

The short answer to you question is yes. 

What accumulated knowledge will you be able to leverage for more successful investing?

A short-term rental with a stay of 7 days or less + Material participation =also non passive.

It takes time and dedication, but stick with it and you'll find success.

Nonetheless, you can base the DSCR calculation on PadSplit rent (if there's a history of PadSplit income being produced) or short-mid-term market rent (an analysis done at the same time of appraisal).

Quote from @Anil Shah:  Short answer - if they originate a loan that they want to sell to Fannie Mae and Freddie Mac, they need to follow their guidelines.

But let’s be real—people use these terms interchangeably all the time, often without realizing the distinctions.

Rent growth has been flat over the last year so you need to account for flat rents near term.