Because what they truly were saying is they were going to wait until others are not buying, to buy themself. 

I was just banned from sending the same introductory email to 3 members.I am new to this website- what did I do wrong?

Short story, landlords tend to run away from QB, not towards it.You might give other software designed for landlords a try before moving back to QB. 

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). 

Think ADU law changes in CA, and in Austin and other cities. 

I rent out one side and the other I stay in .  

Some will follow staff recommendations almost all the time .. others will not..

We own 3 other rental properties that have a 6.5%-7.5% APR, and no credit card debt or any other high interest debt to pay off.

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

Would love to understand more about what might work for me other than DSCR to get started, in case DSCR loan is not an option for a foreigner.Thanks!