This one is available online for free at nfpa.org.Much of what's in these docs doesn't apply, because they cover a LOT of ground. 

Right now, there's not enough "room" in rates to cover those hits so borrowers would pay discount points to cover them.

It's 750 sqft and I'm trying to get a tenant to pay 2750 which will just barely cover all the monthly expenses and utilities.

By writing and signing an agreement that covers as many potential issues as possible.

We recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

@Dayana Castellon the only marketing that would make sense is marketing Airbnb & VRBO are NOT covering already.Maybe market directly to insurance companies looking for rentals for their clients needing temporary housing while their fire-damaged home is being repaired.Corporate travel departments might be another option.Hospitals with resident doctor programs.The challenge will be doing this marketing efficiently enough to make it worthwhile.

We recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

And if it does, they believe their insurance will cover them.Your property isn't the issue.

Plus, the rental income is covering the mortgage payments on most of them, which helps keep the cash flow balanced.Now, I'm looking to expand into the US residential real estate market.

DSCR loans don't require personal income verification or a debt-to-income ratio, making them ideal for properties with strong cash flow, even if the current owner has credit issues.Here's how it could work:You could use a DSCR loan to refinance the hard money loan, securing more favorable terms without having to involve the seller's credit.Since the rental income easily covers the property’s debt service, you’ll be in a good position for lender approval, bypassing the conventional mortgage route.This approach could allow the owner to stay in the house, while you take over financing with a less restrictive structure.