If they say put up higher railings, additional smoke detectors, etc, complete it promptly and document it.I've been in the landlord business for 20 years, and I've always kept my properties to code and well maintained. 

I purchased it with a HELOC so higher interest debt until I can cash out refi.

So initially there was at lease 15% equity and on some the appraisals came back higher so there is even more equity. 

If paid by the lender (this is common for conventional financing, especially with retail lenders), the origination and/or underwriting fee is “baked” into the interest rate, therefore giving you a higher rate in exchange for lower out of pocket costs. 

Thanks Are you saying your DSCR quotes are 2-3% higher in rate or are you talking points up front? 

With the high housing market in the past few years, house-hacking and living "rent free" is very tough almost everywhere in the country, especially if you are planning on putting <20% down (higher mortgage payments + PMI).

is that it typically comes with higher rates on the first mortgage, if you're low income enough you might qualify for near free DPA but most DPA's open to all income brackets are typically at higher than market interest rates.

There are other towns with much less city intervention and will have much higher chances of collecting higher rents. 

For DSCR, it's usually slightly higher than the conventional route due to it only looks how well the subject property rental performs + credit vs conventional where it requires credit, income, assets to be reviewed.

I also noticed that tenants who are on DHS scheme usually have a higher turnover (e.g move in and out rather quick).As a foreigner, I have to rely everything on the property managers.