American Standard Cadet III.

It will most likely trigger the due on sale clause in a standard 2nd home mortgage so read the fine print.You can always use a commercial loan instead.

Their standards are higher than any normal renter which is odd based on the type of clients they represent.

As you get further away from standard real estate practice, the risk is increased by a “legal” risk that your protection may be interpreted quite differently than you expect by a court and that the subtleties of the protection a mortgage or trust deed document provide with established law and court decisions handed down for (in the U.S.) 250+ years is not existent. 

Though, there is no real checklist on what they are looking for or what the standards are.

There are many ways to invest in real estate, and many different forms of financing, and the "best" type will depend on what you are doing, your funds available, and so on.Here are a few examples:Many investors that buy and hold long term residential properties will use your standard conventional financing (typically 20% down for SFR and 25% down for 2-4 units).

A Bank statement program would do wonders, 10% down minimum is industry standard, if you have a solid credit score,15% down will get you really good terms, however you still need to qualify DTI wise.Best of luck!

As someone who's focused on building out a business for decades to come -- I'm thankful for there being a higher standard we should all be held to. 

But something just did not add up with those guys ( and they were AZ based and slick as all get out) But to easy to approve me just send 10k for due diligence. only somewhat related but BiggerPockets really needs to acknowledge a new category of lender that falls in the Non-QM space (any mortgage thats not qualifying under the Agency QM rules - including DSCR lenders but also many established non-bank lenders that focus on pretty standard mortgage products that are part of the established Secondary Market and Finance Infastructure). 

You are overestimating these numbers.Speculations as to why: tenants in these particular rentals may be tolerating a lower standard of maintenance than you think and thus everything wears longer than you think it will, I may have a different relationship with my maintenance people than you do (actually I don't let my management company do anything and I'm very involved in maintenance, I know how to do practically every necessary task, I manage people directly and sometimes I'll do a few things), there may be an error in your calculations such as you're assuming two units in a duplex don't share as much as they really do (they still share roofs, yards, and many other things), or something else entirely.Either way, your numbers are way too high and I will not be able to answer why in more detail or provide you with my exact numbers without spending a significant amount of time on this. 25% ain't too far off.