Having each service separate can often result in delays, inefficiencies and more work for you as the owner.

You need to make sure that your property is easily financeable if you decide to sell it in the future and any future buyer can call out non-permitted items and actually report you to the building department or, at a minimum, ask for seller concessions.

What’s the best way to determine if a lender specializes in conventional, commercial, hard money, non-QM, or DSCR loans?

Cash flow is mostly non-existent now, unless you find a great deal. 

I will say, services are much easier to obtain in the metro vs vacation market. 

The other thing to consider is that a bank might do 80% loan to value but also require a Debt Service Coverage Ratio of 1.2. 

Quote from @Mike Sfera: @Blake Clothier are management companies turnkey providers or is that a company that specializes in those services? 

My list was rankings by dollar amount and number closed Nationwide for past four quarters for NON QM lenders that do DSCR.

You won't be forced to de-convert unless you have violations...eventually the city will start fining you.Very critical terms are non-conforming (no violations - grandfathered in) vs. illegal (violations)...

Yes i am living in one unit Gotcha - just as a heads up, most non-qm DSCR lenders do not allow for owner occupied properties