I also provide a move in sheet the tenant fills out if there are any defects in the house.  

Additionally, I proposed introducing new retail products, and the owner has offered me a 40% share in return for my expertise in retail.

Is there a specific product that you're looking to learn?

Just sayin although i have no first hand experience with your product or company..  

This is my track record so far , in term of DSCR for each property:a) ex primary property A, DSCR 1.1x , purchase 350k, FMV 1.1Mb) ex primary property B duplex, DSCR 1.8x, decided to sell after BRRRc) ex primary property C condo, DSCR 0.9x , decided to sell when appreciation > 500kd) current property, ADU/basement, DSCR 1.1x purchase 800k, FMV 1.2M rehab 70kI do have others too that I purchased solely for rental, but yea in the last 12 years I've been collecting and selling primary few times.I am now understand there's product called no-ratio loan for primary mortgage, with this product this can be used if conventional can't be used.Again if you focus on your W2 and focus collecting primary you would forget to buy rental/OOS because appreciation every year is even greater than rental.Some hints: average appreciation is 4-6% depending on year ; but the beauty of this strategy is actually you live in the same primary house, your mortgage is 100% paid by your tenants and your tenant never meet you because we live in different building structure.

I now get monthly emails with updates to my home's estimated value, along with metrics such as how much rental income the property could generate.Their pricing algorithm is a blackbox to me, so I can't endorse the product.

Not ideal having my down payment held for two years without any production but at this point I don’t want to back out. 

Your job is to filter out the information you get from people and keep the productive ones on your way.

Get your real estate agent involved now to determine what product quality you are looking for.

So I started trying to get creative on how to create a win-win-win for all.Here’s how it went down:I got the sellers to agree to an asking price of $180k, a full $40k over what they originally wanted.In the offer, we included a seller credit of $34k.This strategy allowed me to cover the extra commission for both the buying and selling agents and ensure the seller got exactly the cash they wanted should they have sold it at 140k.With the seller credit, this reduced my total out-of-pocket expense to just $6k.I used a commercial DSCR loan product with a local bank.