I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

In the meantime, take care of the financial basics.

Im repping a lot of buyers right now and I am seeing basically 6.5-7.5. 

Here are some ideas to get you started:1.Educate Yourself: Start with the basics—read books, listen to podcasts, and watch real estate videos (BiggerPockets is an excellent resource).

The best CPAs I have worked for have emphasized to me the importance of providing answers to basic questions in the complimentary consultation.

Ceiling fans need to be secured differently than a basic ceiling to be stable and this is of course electrical work so allowing a tenant to potentially do it is a liability issue if they got injured. 2.

@Dana Jordan did you know that what you do for one applicant, you basically have to do for all?

But I get it when you have that tenant dynamic IE limited income basically lowest earners in the country its a tough group to corral for many many reasons..

If you reach out to a local title company, they sometimes do a basic title search for $50-$100. 

Just have to have your props dialed in and basically the best bang for the buck those are selling very quickly..