Also, I'll be using the following hypothetical figures to help illustrate the power of using a self-directed account, but more importantly, so someone calls me out if any of my info or comprehension on this isn't correct!

I have had a great case study to illustrate the point. 

Hi Ritesh, Given what you mentioned, you may consider checking and filtering some feed selection illustrated in the sample screenshot attached here from reinvestmentfeed.comGood luck with your search!

.** Small towns may rely too much on a single business or market segment.Both state and metro populations are increasing.Low crime - High crime and long-term appreciation and rent growth are mutually exclusive.Rent control - Never invest in a location with rent control or similar anti-landlord regulations.Low operating cost - Investors often overlook operating costs when selecting an investment location, so below is an example to illustrate the difference in location costs.Rents keep pace with inflation.

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.

I'm giving this as an extreme example to illustrate the point. 

I understand this is all anecdotal, but it aptly illustrates the irrational nature of the current market. 

Ken McIlroy's book ABCs of Real Estate Investing is a must, as is The Millionaire Real Estate InvestorThe former illustrates the mechanics of the numbers within real estate investing better than anything else I've read, and the latter presents a beautifully simple path to wealth through real estate that is inspiring due to the approachability of it. 

If they will do a loan with less than 1, the pricing takes a hit.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.

My example is just an example, but I hopefully illustrate what I'm trying to say .