( I keep 30 tons on hand before each storm ) We are sending trucks and men out in terrible conditions for long periods of time , at all hours of the day .

I’m just giving credit where credit is due. 

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

do not use a line of credit for a down payment. 

Terrible way for a newbie to get started. 

Quote from @Zach Edelman: If you do a DSCR loan and vest it in an entity - you and your partner can both PG the note and it will report to neither of your credit reports, thus having no impact on your DTI! 

So is this just as simple as showing how much the property makes or do they also look at personal debt to income, credit score, reserves etc as well.

At it's basic level:Assumption: Asking the bank to turn the loan over to you and going through the normal underwriting process, credit, income, DTI ratio etc SubTo: Taking over the loan without telling the bank, no underwriting, no credit check, no income verificationBoth have risks, but it's not my intent to be detailed in this post.

While they did a good job, I felt the price was steep, especially since the house wasn’t in terrible shape.I’m debating whether the cleaning charge is reasonable to deduct fully or if I should waive part of it as a goodwill gesture. 

As for non-bank loans, I'm familiar with a loan program that provides 100% financing, but it requires a minimum 650 credit score and proof of funds covering 12 months of interest.