Some of it is just a royal pain in the ***.

I made enough mistakes to cause enough pain so that I crawled into a corner and curled up in the fetal position for 30 years.

Real estate is not for everyone and is a pain in the a## if you don't really like it.

Norada’s promissory notes generate predictable monthly passive income transferred to the investor’s funding account via ACH,” ( Link ).Santarelli confirms these fixed, double digit returns in a detailed YouTube video presentation (Link, at 35:08).

I lived in Los Angeles, so I get your pain.

Like you would go to the dentist if your teeth are aching rather than going to the barber.As I keep repeating when encountering this kind of chatter, everybody is entitled to their opinions but not to their own facts so let's look at the facts, shall we?

Will it be a painful experience?

I paid PMI which feels painful but if you keep your eye on the long term prize it's worth it. 

There should be other options, however with an LLC and fourplex - yes, DSCR is by far most likely to be your best option unless you do the heavy lifting with local banks and credit unions (and these are increasingly not great options for this type of stuff as they move painfully slow and are under lots of regulations and restrictions)2) I haven't yet reached out local banks, but seeing the quotes from brokers makes me wondering if Banks may be better? 

Now granted this is rare to the extreme but if your the one losing out its painful.