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.

For us, still in a growth mode, we take action and figure out how to redeploy that equity into other real estate through either cash-out refinancing or selling and 1031! 

Some people will say to take on a processor, however a lot of them don't know what they are doing or they are overworked with other files and you still need to step in, or else you will do a poor job.. 

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!

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

This can provide additional capital for future investments and get the next one.Or evaluating other loan options:Depending on your long-term plans, you could explore conventional loans or portfolio loans that might offer more favorable rates or terms with the new appraisal value factored in.Your decision depends on your broader strategy.

Generally all months other than Sep-Nov are profitable. 

Connecting with experienced investors is a great move as it allows you to learn from others' experiences and opens doors to partnerships, resources, and insights you might not have considered.

If you plan to grow your portfolio, consider setting up separate LLCs for each property to shield them from liabilities tied to others, though this adds complexity and costs.