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Hope that makes sense.Thank you.It sounds to me like you are working with our team in Orlando/Kissimmee, The Short Term Shop.  

At least in the retail world that I shop in. 

I used to work with a few who'd do cannabis but they have either stopped or closed up shop at this point...Cheers!

DSCR Loans in second position is not a thing - you might find a DSCR Lender that have other products that fit this need, like a Closed End Second or HELOC, but they aren't really "DSCR Loans" - I think you are likely looking for a CES (it is true however that you are correct in looking at the same place though, most of the lenders offering this on rentals are also DSCR Lenders)

This is especially true for the first year.  

I’m happy to talk shop.

Most renters will likely go into downtown one day to shop and have a bite--it's charming, but there isn't enough to do there that you absolutely have to be close. 

Sounds like you should be shopping for a HELOC that you can tap for investment money.

So let’s say you are looking at a duplex (2 unit) as long as the rents total per month from the ( 2units) are equal to or greater than the PITI payment its approved.The way you shop for the home is by sale price and using the loan amount after down payment as your calculation.