By no means an expert but feel very knowledgeable in how they move. 

We are a non-profit group and have a lot of investors from all over. 

There are several knowledgeable experts here.

There are bank statement loans, non traditional financing.

After calling them, I found out that the gas for one of my tenants has been shut off due to non-payment.

Most are non bank lenders nowadays which sell them off to Wall Street.

Be sure you are using a non Wholesale lender for the true DSCR experience.Cheers!

That means they don't have the financial means to afford your rental and are highly likely to default on the rent payment.I recommend you watch them like a hawk and start figuring out how to handle late payments, non-payment, and eviction immediately.

What’s your non-negotiable when it comes to lenders?

A lot of the podcasts I’ve listened to said just to verify how many non related tenants can occupy the property since different municipalities are different, some 3,4,5 etc. so that’s why I initially reached out, but was surprised to have zoning tell me it’s not allowed in a few cases.