I know lease prep is a pain, been working on them and there are lots of new regulations and it would be easy to screw it up. 

Real estate is not for everyone and is a pain in the a## if you don't really like it.

Most of the negative feedback on BBB has to do with their lack of responsiveness, which could be a growing pain issue since they are affiliated with at least several large REI groups that I am aware of, so are presumably overwhelmed with new business right now.

I lived in Los Angeles, so I get your pain.

Since this house is one I Airbnb part-time and live in part-time it's more painful because I have to experience and see all the issues myself!

I made enough mistakes to cause enough pain so that I crawled into a corner and curled up in the fetal position for 30 years.

Now granted this is rare to the extreme but if your the one losing out its painful.

@Loan NguyenAs someone who grew up in the Bay Area (just north of San Francisco), I feel your pain. 

There should be other options, however with an LLC and fourplex - yes, DSCR is by far most likely to be your best option unless you do the heavy lifting with local banks and credit unions (and these are increasingly not great options for this type of stuff as they move painfully slow and are under lots of regulations and restrictions)2) I haven't yet reached out local banks, but seeing the quotes from brokers makes me wondering if Banks may be better? 

.: Bitcoin Went Down - Not Quite Ready For Prime Time Just Happened Nov 29 2017 1) Retracement is over due2) Exchange is not used to the influx of demand, all part of growing pains.