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).

I'd have to guess that it varies from person to person.

The Class system (A, B, C) can vary by market, but here's my general breakdown:Class A: High-end, desirable neighborhoods.

Also, the benefits of a cost segregation study can vary based on a multitude of factors.

value adds vary in the return they provide.  

my property appreciation varies from a low of $2700/month to over $10k/month.   

The changes in commissions have led to more transparency but also to varied compensation models.

The laws vary from state to state on the bidding process..

The X & Os of investing, portfolio construction vary from person to person.

QI fees will vary, and finding one that will do a reverse exchange will vary also.