Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

The cash flow first, the appreciation to be the icing on the cake"  this sentiment is one of the worst I see on BP not sure who espouses this and why all these investors say the same  thing but that's really a recipe for disaster for the investors.If your leveraging RE to the max U know 20 to 25% down . 

Also if u got a contract to do a look thou 2 times a year or whatever you got in place see if they got food laying around or anything that would want the mice to cone back. 

Another option because of your networking is to joint Venture with someone to get into a deal.

I'm ASSUMING (a bad idea, I know) that they were a married couple and had joint ownership. 

@Andrew Steffens, I’m grateful for the die-hards around this joint, people who serve others with wisdom and experience.  

We specialize in joint venture transactions, collaborating with both seasoned and new investors.

If you're a lender, I might have some borrowers for you depending on your U/W requirements.

Every single property has their numbers down from last year.Going by last years numbers and if the ADR doesnt get better in 2025 then it will be a huge negative cash flow.Also sent you a DM, can u pls check. 

thx u