For non-Dutch interest products, the loan payment is based on the principal amount of the loan each month. 

I check the SEC, FINRA, ratings websites for inside information on the principals in the company.

I have had to truly suck up my principal which has been hard and one day I might but starting out you know that it is just survival mode so you can afford to grow more and ten years in be able to be more picky if choose to change routes. 

Purchased a first lien note with a principal balance of $400,000 for $350,000, and a second lien note with a principal balance of $250,000 for $50,000.  

This means that the principal balance of your loan is 78% of the original value of your home.

I got licensed and have been learning brokerage and hope to transfer these skills into becoming a principal at some point.

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).

So I have been researching making an extra principal payment every year and how it will cut down your mortgage to between 21-23 years.

If anything, split your payments in 1/2 and pay twice a month, and/or pay more towards your principal whenever you feel like it.

A number of articles have been written about this specific case, and there was a second class action, two years after that.You can always pull up the working relationship between the names of the principals (in their website) of WWC, and the person Mr Baines states in his article.