The FBI’s Financial Crimes Unit investigates these matters for filing of charges on Equity Skimming violations.

It sounds like you are investigating the DSCR route due to lack of investment funds. 

The 50% rule - in my opinion- is used solely as a quick back of napkin calculation to determine if it is worthwhile to do more investigating of a property. 

I am interested in acquiring a 10-acre lot with a house listed for $1.6M in a Houston suburb and would like to investigate financing options for building a commercial structure on the property.

Cops all the time do everything they can to not investigate crimes.

Their lease is 6 month term with a same rate month to month however, their insurance states the rebuild of their home and fire investigation efforts are going to take 12-18 months. 

In your situation, I might investigate further to see if their credit was better before these hurricanes.

Sometimes there are accounting errors, like duplicated charges, so it’s worth investigating.

Upon further investigation, I found several more properties under similar circumstances.At first glance, it seems possible that these properties were either gifted to the nursing home by former residents or claimed as repayment for services rendered.I’m new to real estate investing, I’ve been in the education phase for the past 2-3 years.

Authorities are investigating this as a potential terrorist attack.