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 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

You can typically secure shorter term 3-5 year fixed rate permanent financing for this with lower leverage, or if you're feeling riskier you could go with a higher leverage, more expensive floating rate bridge loan.

Secondly, i have a 1-3 years of property data that Stessa doesn't see or take into consideration, most importantly rental income and expense. what is the best way to upload that previous data to the properties?

We ended up just doing a shiplap ceiling to eliminate having to drywall and filled the cavity between the two ceiling with rockwool and it has made a pretty substantial difference that wasn't crazy expensive and was a two day project due to eliminating the need to finish drywall.  

Some of the most expensive real estate in the country is in Florida: Gemini Estate (sold for $175M in 2022), Gordon Point (currently for sale for $295M, the most expensive listing in the US), Tarpon Island (~$180M), etc.

Detroit is coming up big time, but it's still flying relatively under the radar.Suburbs are getting increasingly expensive while the city is getting stronger and more attractive to move into.

One of the biggest mistakes an investor can make when deciding to take the plunge and start spending money on Google Ads is targeting the WRONG keywords.It’s true that one way to use keyword targeting is through “broad” keyword types, which are usually less expensive and can capture various keywords you might not have considered in advance.

We have been able to rent it out with zero vacancies for $3,300 month, with the mortgage, property taxes, insurance and other expenses totaling ~$2,900.

How about property hunting, are we allowed to deduct those expenses?

I am a big believer that someone should start by investing in their own backyard, but seeing as MA is very expensive, you may opt for somewhere else.