Even if a bank is paying me 5%, I know that's only for a short period time relative to my peak years left of living.  

(90% of buyers will be owner occupants who can’t/wont buy a tenant occupied home.) check with your local landlord tenant laws about notice periods, post a notice and being a witness.

Unless you already have buy & hold investors lined up make sure you have a reasonable inspection period as showing occupied properties can be a real pain unless your buyers only care about the rent & purchase price.

Detroit is not what most investors consider an appreciation market. 2 years of appreciation during a time period when every other market appreciated also, following decades of up and down with extra down doesn't suddenly make it an appreciation market.

However there is not statutory holding period. 

I was more so saying that after a year of occupancy period, you could explore options such as a property manager to take over and you could move onto the next investment property.

There are other DSCR lenders who require 6 months seasoning / waiting period from the last transaction. 75% LTV is a better rate compared to 80% which will increase the rate and make it harder to reach a DSCR 1 ratio.

It feels like this would be like asking a seller to be a HML because you'd have to offer a higher interest over a shorter period of time.

You could read 100 books and still not know enough because certain things must be learned through trial and error.

You could read 100 books and still not know enough because certain things must be learned through trial and error.