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).

Bankrate explains:“Mortgage closing costs are the fees associated with buying a home that you must pay on closing day.

In 2019 i was at ideal occupancy but none of my STRs are at ideal occupancy today.Do what you want with regard to the number of OTAs, but i plan to never be associated with a single OTA.  

I used the standard Nevada Residential Lease Agreement from the Greater Las Vegas Association of Realtors.

By offering a larger down payment, you can position yourself as a more attractive buyer and avoid some of the challenges associated with competing in the more investor-heavy multifamily market.

(If not, then you should, IMHO)We're all in sales ultimately, and keeping potential business associates on a marketing list is our lifeline.Also, if you were "politely told" that it's not a great fit - how is this a problem? 

It does however give you a degree of independence to choose what you want to do.As your portfolio grows you'll also feel the weight of future capex responsibility more, which ironically points you to growing more cash flow through more real estate.The other issue is that you are chasing a moving goalpost.

Students are so scared they don’t say anything in hopes their family won’t lose it all.After four years of running a deceptive business and getting students locked into deals with them and their employees or associates, the owners are trying to split up and there's a lawsuit between them.

Are you associated with RealWealth? 

With my LTRs I have been switching to all tenant paid utilities after my first winter where I discovered the majority of my tenants were setting the heat at 78 (which is unreasonable in Northern New Hampshire) and leaving their windows open in -20 degree weather.