Yes first-time buyer DSCR is actually fairly common, especially here in Southern MI. 

One thing to be aware of, and I hope that this never happens to any of you guys, is my connected bank link somehow failed or became disconnected?

I'll only add when talking to brokers have a "buy box" defined and research commercial deals to understand it as best you can before you have your first meeting or your broker contact will likely consider you to be a low-chance buyer and not take you seriously.

Quote from @Kyle Carter: What about if I already have a rental, not with the home buyers program.

The key difference, though, was he spent months carefully getting to know the local architecs, reputable builders, and even a couple of niche design firms that specialize in modern builds for mid- to high-end buyers.

When I see newer people expecting to find full cash out deals from out of state sourced from a wholesaler or agent I know they are setting themselves up to fail 99.5% of the time.

Combine that with America’s housing shortage, and the solution becomes clear:We need to build more homes that align with what buyers can afford.

The real estate market has shifted dramatically in recent years rising interest rates, evolving buyer and seller expectations, and fluctuating property values are keeping all of us on our toes.

The seller should not be expecting you to be the buyer, or surprised when you aren’t. 

Some may be comfortable with 100% crypto transactions, while others could opt for a split between cryptocurrency and cash.For sellers unwilling to receive cryptocurrency directly, the digital asset will be converted to dollars to complete the transaction.There are many ways a buyer can use crypto to make a purchase:The simplest way is a Crypto to Crypto transaction, as long as the seller accepts cryptocurrencies as payment.