A week ago I received a shelter verification form from DSS for a male individual who I don't know at my apartment.

Making matters worse, 99.9% of individuals on BiggerPockets who want to buy in distant markets do so because the entry cost of doing business is lower.

We're seriously looking to connect with individuals who are open to chatting or to working with two motivated guys who have goals of building a diverse portfolio overtime in the Pittsburgh area.Cheers,Matt

I have used LLCs individually for the properties that I've owned and I'm glad I did. 

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

This is a fine needle to thread because at this size, you very quickly start competing with high net worth individuals who are seeking summer homes. 

That being said, you could be the individual who helps identify this respective vendor.

.), how litigious is your state, your own loss history/ratio as an individual investor, the carrier's overall loss ratio in a certain state/area, the deductibles you've elected, etc. 

Don’t sell to an individual asking.

Great place to learn and connect with like minded individuals.