It just so happens that this product I'm not giving away for free.

VA property standards will apply here, and commercial real estate tends to be more beat up than residential in general, and on top of that high vacancy real estate is also almost always beat up real estate that has been poorly managed and maintained for several years.

Plenty of cash flow for any errors.Even our product mix and locations we do risk management up front.  

Will probably lose the deal because of their lack of response and poor service. 

There are many poor home warranty companies out there, however Liberty Home Guard seems to be a solid company that stands out in the space.

I was wondering if anyone knows of loan products out there that are beginning to look at or accept this income for DSCR?

Got the same, poor customer service.

Apparently there are quite a few women who feel a need for the group you proposed, but in my opinion it is counter productive.

And as you say, your product is NOT real estate related.  

We work very closely with a national lender and strategic mortgage partner with a diverse second lien position and second mortgage investor product offering.