DSCR stands for Debt Service Coverage Ratio, which is a calculation that determines if a loan's income covers its annual debt service. 

After all PITI, utility, and services (lawncare and cleaning) costs I have $7,225.I set aside 25% of this for my maintenance fund.The remainder funds my lifestyle, wife has a Tesla, and quarterly vacations as well as business growth.In 2023 I am tracking to build 4 duplex units designed as room rentals funded in part from a recent land sale.

You'd be borrowing a slightly higher amount but your monthly debt service could drop by a few $100s. i.e.

Given your need to avoid personal guarantees and collateral, consider the following institutions:KeyBank: Headquartered in Cleveland, KeyBank offers a range of commercial banking services and has experience with international clients.

The tenants may even appreciate the service.

You provide a service (offer), you find people who need to buy your service (leads), you need to close them in order to get their business.

I found this on their web site:Our company Tax Alchemy provides tax planning and implementation services as a flat rate fee based on the tax strategies needed to reduce your tax bill.

Though, the HVAC has reached its life expectancy per inspection report - It was recommended that it gets serviced and clean.

Builders, house flippers, brokers, etc.Unfortunately, banking and finance services and certain architect and engineering services don't qualify.

So if someone tells you, it does not matter about liens behind you - it does.There’s one more ; the borrower has increased debt service and when it either turns negative or leaves nothing “in their pocket” they may lose interest in the property, decide to stop paying all mortgages, and put whatever income they can into their pocket until they lose the property to foreclosure or one of the lenders obtains a court order prohibiting such.