DSCR loans are like belly buttons...every lender has one...or in most our cases many DSCR sources.

However, some of the intro music is comical..makes you feel like a band of belly dancers are about to arrive.

On the retail side, they are fat with overhead most times and it is negatively affecting pricing because margins have compressed and they struggle to adjust.   

In addition we're finding lots of "old property problems" leaky pipes, wood rot in some areas as most have original windows & framing on the exteriors.To sum it up, I see long term potential but this isn't an easy "buy & hold with a fat cap rate" you will need to put some work in & make sure you have a solid manager in place to help you deal with your problems as they come.

NO social welfare at all. you either make it or you don'tand of course not every one is really rich in Singapore.. but they pretty much ALL work. and there is govmit housing but you have to buy them  500k and up... for a condo.we won't solve the welfare problems in America here on BP.. its just something to ponder and wonder .. and scratch your head about.. and maybe get frustrated at tax season when we are writing big fat checks but we all get the same use of the roads and other public amenities. 

I don't really have an answer other than your thought process  Belly to Belly.. that's what my Daddy taught me about real estate back in the late 60s as I was gearing up to enter the profession mid 70s.. its belly to belly get of the phone and talk to these people face to face... well now its get off the text and computer and talk face to face.. 

Pets.com went belly up in 2000, Netscreen leveraged what was happening around the ".com" phenomenon and went on to be bought by Juniper Networks for $4 Billion dollars. 

This seems to make more sense as we could probably pull out some of that $500K cash we already have in the property (although likely leave in a fat downpayment of 200K-300K).

We're not "fat cats" that can absorb a huge loss of income over an extended period of time, but are willing to work with our tenants as much as we can.

Don't get fat on just one sector of real estate.