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).

If you find an actual property that looks like a homerun and would warrant a HELOC, then you can go for it without reservation.

The numbers calculated assume 0% vacancy (but I reserve 5% for it) .

Prepare financially by saving for down payments, improving your credit score, and setting aside emergency reserves.

You will also need about 6 months of reserves deposited in a traditional financial institution rather than a crypto account.The next step is to find the target property and calculate the acquisition costs and costs of construction along with the after-repair value. 

FHA loans are a great way to get started with a small down payment, but make sure you have some reserves for things like repairs and vacancies.

I'm living off of cash reserves and burning through it - there is a well dry date looming on the horizon.

Those are significant network effects and technology maturity factors that will make it very difficult for a crypto to supplant bitcoin as essentially the global reserve cryptocurrency.

simple question to ask, are investor dividends being paid out of net operating income or reserves? 

If you'd ask this question while still employed I'd say apply the $8500 toward knocking down the debt quicker but since that is not the case I would build up your reserves to about 6 months then begin applying those funds to bring down the debt.