Or should they be noticeably different to potentially capture a larger amount of people?

Quote from @Chris Seveney: Disclosure: Yes I am a private lender but we do not provide this type of financing so I wanted to #ASKI have a client who has around $5M in real estate that has properties in GA, FL, NV and texas.

Recently I noticed I get to 0.7 or 0.8% at best (i.e. 100k purchase price, $700-800 rent per month). 

.: Another question for you pros: we currently manage a small portfolio of CFDs on land parcels and a couple of private loans.

I have noticed with all of the guru's out there, it's gotten more difficult.

Banks like to match short term assets with short term liabilities, and vice versa.I don't believe that DSCR loans are "expensive", but they do require a more thorough underwriting and higher amount of financial documentation other private and hard money loans.It generally helps to have a Fractional CFO or Loan Consultant (not a broker) that will work on your behalf to negotiate better DSCR terms and rates.

So you would likely need to go business purpose like private money or DSCR financing.

We have buildings with no parking lot and private entryways, so tenants are responsible.

So I had an idea to get a loan from a Private lender for 400K (just under the asking price of the home) this house is already appraising for over the asking price but need some TLC.

If the lease is ending be sure you have given the proper notice of non-renewal of the lease.