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).

So having "voted for this" seems like a weak argument when there's no alternative.And if you want to say third parties are an alternative, with basic game theory you can see that in a first past the post voting system, they are not. 

But if you don't, you can start from basic assumptions.

It will familiarize you with the basic terminology and benefits.

Originally I was also hoping to find a package that would do more of the property management basics for me, like running ads, screening tenants, collecting rent, collecting e-signatures, etc.What I found after months of looking is that there is no one-size-fits-all platform out there.

I have also tried to explain her its in her interest to let us paint the house and rent asap but nothing is getting across, she basically wants something in return for us to be able to paint.

Hubspot is good because the basic functions are free.

He could be offering the most basic concepts ever for many in REI but just the shift in my mind has made watching his sales video worth it for me. 

All that valuation is based on some basic MVP, yet VCs are okay with it since they only need one out of a hundred to achieve a 100x return to make it all worth it.

Also, even though this is a negative cashflow it's basically what my rent would be.