It’s inspiring to see your commitment to learning and helping others grow as entrepreneurs and investors.I’m sure many of us here, including myself, will appreciate your insights and advice on scaling businesses and navigating the real estate world.

Are most of you including things like property insurance, etc in your CoC calculations?

Many lenders include a prepayment penalty  that lasts 3-5 years, which could limit your ability to refinance again if rates drop in the future. 

You'll actually learn useful stuff and won't be set back 5 years with an upsell.How 'bout $2K for eleven 8-hour on-line classes, access for life including all updates and additions?

One number which does not include the original rate buy down, is $7K less than the original list, and does pay both the agents commission.  

Another key point in loans is that the broker or direct lender will often try and include the costs into the loan, for some this is fine but you are paying interest on that money over a long period of time....FYI

I think it's really important to include the language in the lease.  

My goals include cash flow and appreciation and I realized there were other properties that better align with what I am trying to accomplish.

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).

Has anyone worked with this company, or done any investing in this asset class that can provide any feedback or recommendations including reputable companies with good track records?