@logan @Logan M.don't tell these people the truth we don't need them in our niche, no competition is great 

. - Competition & Negotiability : If you're looking for more time to analyze deals and an open dialogue on dealmaking, Oregon has proven to be somewhat of a playground.

This is not great compared to areas like Gary Indiana where rent is $1500 on a place costing $100k but the social advantage makes me feel better as less investors are willing take lower profits (less land lord competition) - and I know the returns will come in equity in the areas I want to invest.So the core questions - 1. would DSCR work well for me?

Disclaimer: this post may or may not have been inspired wholesale from me stealing ideas from a mortgage client (but not a car wash in Georgia, so you are not their competition).

Will this impact our ability to get competitive financing (we are both well qualified as individuals and even more so together)?

I live In New York so I feel the competition would kill since I’m new to this whole thing.

Also, we are competing against other PM’s so we need a competitive advantage.

It's largely dependent on things like price competitiveness, your customer service abilities and ratings, property features, location, etc.

@Mark Adams, you are attempting to enter one of the most competitive fields of any real estate related business.  

Shop Around: Compare rates from other commercial banks, credit unions, or online lenders to find competitive offers.5.