This direct approach made their efforts more effective.

Understand the contracts you sign and how each detail of the investment can be effected in each scenario.

Bob, I have gone through that exercise and came up empty.

DEFAULTS Tenant will be in default if: (A) the Tenant don’t timely pay rent or other fees and charges they owe; (B) Tenant or any guest or occupant violates this Lease, property rules, or fire, safety, health, or criminal laws, regardless of whether or where arrest or conviction occurs; (C) Tenant abandon the property; ....When Tenant is in default, the Landlord has the option to declare the entire balance (all outstanding balances including but not limited to invoices, rent, cost due to damages/abandoning the property) payable hereunder to be immediately due and payable; the Landlord may exercise any and all rights and remedies available to Landlord at law or in equity and may immediately terminate this Agreement.XVI.

Many lenders generally have a 1-year lookback window where things will change as soon as its been 12 full months without a mortgage late (then will essentially no longer be a penalty besides any effect on FICO score)

Remember like add-ons to a vehicle purchase purchasers effectively increase the amount of capital borrowed. 

The effects may re-appear, but it's very unlikely to almost never that the causes are why. 

Maybe you just haven't found a lawyer who isn't a wimp. lolJust trying to show some of the other effects you may not be considering, if you settle.

If not, I'd appreciate any advice on how to set this up effectively.

For beginners, it removes the pressure of meeting strict income requirements, and for experienced investors, it provides the ability to scale their portfolio more easily.How to Use DSCR Loans Effectively in Real Estate InvestingTo make the most of a DSCR loan, it's important to choose properties with strong rental income potential.