Most banks pull payments at midnight and also credit payments into the account just after payments are pulled. 

The “tales” of nothing down/seller subordinates “down payment” done successfully almost always hide the most important information - that the buyer either provided additional collateral (such as real property owned “free and clear”, a certificate of deposit in an amount greater than the down payment required, or the buyer is financially strong enough that part of the financing was in effect a personal loan or line of credit. 

Lenders that offer DSCR loans generally don't have a cap if the mortgage payments are paid on time and the borrower has the credit score, down payment (or equity if a cash out refinance) to qualify.

I work closely with several local credit unions and commercial mortgage brokers and rates were dramatically higher just 30-60-90 days ago. 

Once the net amount clear in November bank statement make any journal adjustment necessary so your debit and credit are balanced. 

Have not yet spoke to local credit unions.This has all been validating to what I’ve been thinking about, but you also brought up a few real world examples that i would have missed. 

This strategy only requires 5% down, so I save my cash for reserves and other investments and it gets me the lowest available interest rate.

This way, your rental income supports your next purchase, and you don’t need to save as much for down payments.Financing: Focus on improving your credit and saving for future down payments.

If need be, will bid it up and take title to the property since we are next in line to receive any overage are credited back anything above the tax amount. 

They handle things like getting a refund to your credit card at home depot with ease.