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.

Texas, with its strong tech hub and job growth, is worth exploring, but home prices are higher and rent-to-price ratios are often below 0.5%.

Brokers CAN do them, but they have higher rates and fees, so that's something I typically refer out.

AirDNA ran an analysis and Washer/Dryer units rented out at a higher daily rate and occupancy than those without. 

This attracts a higher-quality renter, ensures funds are available to maintain the home, and reduces the risk of major losses.