Plus the added requirements around getting drawings and general contractor for even adding a tiny closet.

But when it comes to choosing or creating investments that will produce a return along with personal fulfillment or enjoyment, then I say it definitely matters what you invest in and where you invest.  

A $240k loan amount on a $249k purchase price seems crazy and I'd never expect to produce any net positive cash flow doing this.How are you calculating your property taxes?

I’ve done Facebook and Instagram, but Instagram produces almost NO results.

You could also go work as a buyers agent on a top producers team and do closings that way.

Excluding the periods of “tulip bulb” irrational exuberance, a property must produce enough of a risk adjusted return to satisfy both the ROI demands of the “limited partners”, and the income/time requirements of the sponsor.  

Well....collectively the videos I have produced on this topic have surpassed 100,000 views.

Nonetheless, you can base the DSCR calculation on PadSplit rent (if there's a history of PadSplit income being produced) or short-mid-term market rent (an analysis done at the same time of appraisal).

Did you lie to the mortgage co and produce a “bogus” lease in order to obtain financing?  

And one would have to get with the companies that produce these debt instruments to rewrite them.. most banks use the same providers for their legal docs.