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).

You clearly have factored this in already.

It wasn’t ideal, but it was the only way to keep the deal alive.I made the drive to her small town, met her at a local bank, and had the paperwork notarized.

I would try to find an agent with investor experience and, ideally, a focus on investment properties. 

Of course, every owner's situation is unique and factors like the legal entity involved, purchase date, adequate passive income that can be offset with the cost segregation study, etc., will need to be considered.

Be sure to factor in repair costs to keep things profitable.

Its market-ready condition and strong local demand made it ideal for a fast, profitable transaction, aligning perfectly with Partner Driven’s strategy of securing high-yield properties in promising locations.

Recently, a lot of the market factors that kept people away, are the same that are drawing attention.

Ideally, these would be vacant and abandoned properties that have not been sold in the past 5+ years.

I'm sure there's other stuff you'll want to factor in - what businesses are moving to and from each areas.