Not 100% accurate.

Hi Dan, thanks for your response.

@Thomas HaessigImpossible to really provide any type of in depth response based on information provided.

Does anyone have some really good websites for accurate up to date data for vacancy rates, median rents, average household income, etc? 

Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

They are MUCH more responsive and even managed to recuperate most of the owed rent via landlord/tenant assistance programs.

Being flexible in a way that still protects your investment can help build a better relationship.However, if they’re not responsive or don’t show good faith, you might need to take a more formal step, like issuing a notice to pay or quit.

The responses from this group have been incredibly helpful. 

Having worked in corporate architecture firm for 13 yrs before opening my own firm, I understand your basis @Jay Hinrichs and it's totally accurate.

Many of the BP calculators want you to put in 5% but this is not always accurate.