Other than lowering premium, why would you put all the rentals in one policy?

As others have said have a lawyer draft up the agreement.

It should give you prompts to put in mortgage interest, repairs, big CapEx, and other things.

I'm assuming that this situation wouldn't pass inspection, but one could argue that all the spaces the guests have access to (i.e. bedroom, bathroom) are safe and habitable + the guests wouldn't be exposed to the kitchen.Also, do the city inspectors inspect other parts of the home the guests won't access (i.e. inspectors check the basement for water infiltration even though no guests would ever be living or even going down there). 

Other places with supply constraints will likely continue to see positive real price growth.

I cant speak for other lenders though. 

My primary is a 2-family also and I use turbo tax for that and my other rentals. 

Lots of other people had bad experiences. 

I am thinking I should use a DSCR loan. can anyone help me with this processAs others have said, mobile home parks can be a niche thing to finance.

One who is active still and recently did a case study write up like this is Don Konipol, the other pops on every now and again and did a BP episode many years ago Aaron Mazzrillo so search those two names and read some threads.A more likely scenario is not what you mentioned as the ever growing note/value deal, at least not as outlined.