Given these factors, is it worth losing some cash flow by refinancing to a conventional loan, or should I explore other options?

Your location may also play a factor in this.

To help assess each pet, we use a service called PetScreening, which rates pets based on various factors.

But, if she were to transition to a job in the RE sector, she would develop a skillset that would enable her to take this much further and in her own direction.I have a couple reasons for posting this topic: the main one is that I think this is a good topic for discussion in the BP forums.

Left Main REI!!

Just as the title says, I'm curious if anyone has purchased that program, how much did it cost (the lite program is $2500 but the main one isn't priced) and was it worth it? 

I would suggest anyone considering web developer to build a site to take this crucial factor into consideration.

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).

There are good selections of rugs that you can wash to place under the bed for warmth if that is your main concern. 

(Keep in mind controlled group rules, meaning if you own a business with W-2 employees, you often can't just setup a side business and open a Solo without giving benefit to your W-2 employees with your main business - another area not often discussed in this industry until it is too late). 5) Lot's of pros with Solo 401(k)'s as you can tell from above with the UDFI exemption on debt financed real estate and ability to make larger contributions.