I wanted to add to the Why, should a investment property buyer use a DSCR program over a Full Conventional purchase or refinance, as we do all programs, whether for a primary, 2nd home or investment property.Currently Full doc loans, meaning using tax returns (2 years) for qualifying can be tedious work and interest rates are higher compared to our DSCR products, since on Fannie Freddie conventional loans require LLPA's ( loan level price adjustments) added to the base rate.

At this point we get a discount for an accountant level and for the simpler entities use the new basic level.

Idiots with cash overpay and it prices out the smart investor.You'd have to acquire properties at the auction/sherif sale level. 

This program could certainly be beneficial for house hackers, but on a policy level, it’s likely throwing good money after bad.

What type of real estate are you purchasing in CA and most importantly  can you articulate the dispute you believe will rise to the level (with appropriate standing) to be litigated and benefit from being litigated in DE?

Real estate markets correct themselves and normally on a localized level.

There are all sorts of "levels" here on BP. 

Deja, In my experience a landlord who is exiting the business or wants to flip their SFH to level up to multifamily may offer a package deal. 1.

Every time that happened we increased our savings by 75% of the difference and our spending by 25% until our spending hit a level that we were comfortable with. 

Hate to be the dissenting voice here, but if you fully disclose that your child would be occupying the property you might run into some trouble with the non-owner occupancy that is usually required with a DSCR loan - your child falls into the category of immediate family and many undewriters would assume that if your child didn't pay their rent, either you wouldn't evict them or you would pay the rent for them, which then affects the cash-flow on the property level, which then affects the DSCR.