Painting the walls to remove dust, dirt and nicotine marks.

In early 2020, I ventured into the industrial sector by acquiring my first warehouse just before the pandemic hit. 

They can hit a monthly rate on a hotel if they need. haha

They age the barrels on ships at sea and it has a very complex flavor profile that is very salted caramely to me, I only drink it when I hit milestones or goals!

So 15% down may be needed to hit that mark. 

So I think you hit it right on the nose with your question of someone having knowledge but no license.

if the answer is no.. then please keep in mind this will be next to impossible for you go get unless your financially strong enough to walk in the local bank and borrow from them. no HML is going to loan that kind of money on new construction for someone with no track record.UNLESS you put in a huge amount of cash.. up front. so were We see all these folks getting scammed is they don't realize they really don't qualify for financing.. there is some notion running around that HML are just equity lenders they are not.. they are experience lenders IE how many have you done.. first time borrower VERY short leash. so you have the scammers saying no problem  the bigger the loan the bigger up front fee they hit you with and never fund.If you have the ability to go on American Greed website.. look up the episode on Remington financial.. they were the mother of the pump and dump Due diligence scams.. 

.• What DSCR ratio do I need to hit?

Some base hits...Story of my life....

In our market that's solid base hit given the higher rates and lack of supply. 98% of the houses I see negative cash-flow without creative opportunities (MTR, STR, rent-by-room) or BRRRR.