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.

Can be individual name or LLC .

I have significant equity, which I won't fully disclose, but I'm keen to network with individuals in Toronto, Ontario, Canada.

Keep in mind: For the 2024 tax year, individual filers won't pay any capital gains tax if their total taxable income is $47,025 or less.

You could each get cards as individual llc’s via individual EIN’s.I haven’t cashed a card out yet but there are various methods.

Did you ask the borrower if it’s in individual name or LLC ?

As I've been telling more and more friends and colleagues about my REI journey, I've gotten more and more offers from these individuals to be money-partners in future deals.

The property in question is a duplex, built in 1985, and consists of two adjacent townhomes that can be sold individually.

With all this talk about 1031 and individual situation(s) being the key component....Since this is a common analysis, there must be a comprehensive analysis tool already in existence. 

If you're just an individual that buys real estate but makes primary income from another source, just buy good properties off of the MLS and hold on to 'em. 10 years from now, the purchase price doesn't mean much or really change your return.It's like trying to buy/trade stocks rather than index funds.