Lenders typically look at the rental income of the property to determine if it covers the loan payments.

That’s our primary method of communication so it works.

Your problem is probably your method of wholesaling. 

@Brock Bernall As a rookie House hacking is the best for getting started has the lowest risk and best profit for a low down payment option.

Highlights:* no prepay on 12 mo bridge* 6 months guaranteed interest on a 24 month bridgeThese are interest only loans and the DSCR calculation isn’t a factor in the lending decision.Compare the cost of your lower interest rate DSCR loan, including PPP versus what the bridge would cost at a higher interest rate and no or minimal PPP.PPP=pre payment penalty :)

., interest rate, payment structure, balloon payment timeline, etc.)

With the cash out refi it would be the same you would just factor what you would cash flow with the new monthly payment. 

You can get away with using 5% for Class A tenants, but we use 10% for Class B and lower. 3) Tenant Payment Performance: you didn't mention this, but it is important!

I decided I’d find another method. 

.- get into real estate with a lower rate and lesser percentage down payment.