I bet those carrier representatives have access to their companies AM Best reports, and would be willing to share those details with you. 

DSCR is the best bet to get something like this done.There are products with no seasoning requirements and products with 6 months seasoning.

if you have haven’t read “rich dad poor dad” you should do so for the encouragement it will give you.  

Going the attorney route will take time and money, but it could be your best bet if the developer refuses to renegotiate directly.All the best!

 - initial cash flow has poor correlation with long term cash flow.  

To avoid going through the same poor experience, keep reading.Even if someone gives you a referral here, do NOT make the mistake of assuming that the PMC will meet your expectations, just because they met the expectations of the referral source.In our experience, the #1 mistake owners make when selecting a Property Management Company (PMC) is ASSUMING instead of CONFIRMING.It's often a case of not doing enough research, as they don't know what they don't know!

I'm not a lender so make sure to double check, but I believe the DSCR loan will be the best bet.

1/3 of an acre on a corner lot isn't that big, and I bet not split able.

I'll bet these guys don't.

DSCR is going to be your best bet.