Many start with just one rental or a house hack and find ways to streamline the management or rely on a property manager to handle the day-to-day.

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).

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However, often it's simply miscommunication.Policies on initial consultations vary widely, and mine have changed more than once over time.

Plumbing is a different story and will vary with the plumbing set up and your skill level.

I'm receiving multiple offers ranging from 11.75% to 12.25% with points varying from 2% to 3%.

I am seeking reliable data and cannot solely rely on platforms like Zillow for this information.Thank you for any assistance you can provide.

The information contained in this post is not to be relied upon.

The information contained in this post is not to be relied upon.

Aside from the items that you already suggested, the only other thing you can use to verify the stated income is the seller's bank statements (not all sellers will release their bank statements, but some will).The expenses will vary a bit from owner to owner, so you're better off reaching out to a local property management company to get an understanding of how much things cost, unless you plan to self-manage the property.