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.

State Farm had a plan where you get a guaranteed 2% and a "illustrated" rate of 3 ish percent.  

An example will illustrate the point.Suppose you are tasked with determining which country, Country A or Country B, is more desirable for people from both countries to live in.Data-based approach - Assuming you have all the data you need, you can analyze it to determine which country is more desirable.

I think it was just illustrating the point that the numbers in the docs aren't set in stone and you should negotiate things in your favor (whatever you decide "in your favor" means for you).

My entire point point is that it is certainly possible that the market is still falling, and to illustrate this, I am demonstrating that I am voting with my feet--I am not planning to visit Mexico as a tourist this fall, despite the likelihood that I will forfeit the fare.

It illustrates something very important - the savings and the process of the 1031 have to make sense to you - your current situation - your goals - your business model.  

I created the graphic below to illustrate the effect inflation has on (inflation adjusted) cash flow.

Without diving into illustrations and analysis I have found success with my owner occupied clients by drawing the line between utility/investment and profiling you as a buyer.

So, we implemented the process illustrated below.Once we have a property under contract, we send the client's preapproval and a property description to multiple lenders for their current interest rate buy-downs.

@Joe Villeneuve's examples illustrates the benefits of leverage.