I am more concerned about calculating accurate expenses and how operationally intensive it really is.  

I would calculate your break even point.

I’ve done calculations for analysis and checked into rental potential on two locations.

.- Monthly cashflow: $1,179.54Obviously these are rough estimates, but I feel that I've given myself enough buffer throughout the calculation/ analysis that if there are any unexpected expenses, I'll still be able to cover them and have a property that Cashflows a decent amt each month. 

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

I include non-paying tenants as part of the vacancy risk included in calculations I make prior to purchasing a rental to ensure it will cash flow.

When calculating cap, and other deal analysis criteria, none of them talks about how to assess the property in terms of its appreciation based on structural quality such as brick exterior versus vinyl.

Calculations say I can add a 1bd/1bath, 400 sq. ft. cabin with hot tub for $125k all inclusive.To the loan officers, between my mother and myself, what are our options to acquire funding based off the equity of the land without having high income?

I have built myself a BRRR calculator, and the numbers (in terms of cash-flow) are convincing.

They should be able to send you an address of a rental they own.2) If they plan on sharing a BP Calculator sheet for each and every property they send you.