Hey @Anthony Sigala many folks might be optimistic about this rule but the "rule" was created during a very specific and particular time in real estate as a way to help newer investors have a framework on how to approach rental properties without going in blind.

Quote from @Taylor Kendrick: Am I alone in feeling like I'm being sold this idea rather than OP being genuinely curious about the community's thoughts?  

Hi Marshal, welcome to the community!

Are you focusing your efforts in/around your local market?

There aren't many co-ops in Southern California, mostly in LA or a senior community in Orange County, but there's not much of a discount between condos and co-ops - at most, 10%.What is your source of the 10% difference data?  

By leveraging shared housing, you can:✅ Lower your initial investment✅ Maximize cash flow✅ Reduce financial risk✅ Make better deals for investorsQuestions for the Community-What's your initial thoughts on the above? 

DSCR (Debt Service Coverage Ratio) loans generally focus on the property's ability to generate enough rental income to cover the debt payment.

To find deals in Philadelphia, focus on off-market opportunities by networking with wholesalers and local investors, attending meetups, and leveraging platforms like PropStream or MLS.

However, with careful planning and a proactive approach, you can navigate these hurdles successfully.

Hello Bp Community,Im in my 5th year of real estate investing in Pennsylvania.