CPA knows that the business has a lot of expenses that could be written off if the borrower does not need to show as much income as before because DSCR does not look at income and the client does not need to take a large salary from the business to afford their lifestyle.  

Many of our clients are families adding ADUs as a lifestyle choice, valuing the flexibility they offer.

She will now have the funds to pay the RENT and also can maintain her lifestyle.  

You can usually live in a favorable location for your lifestyle and either commute to a property or hire folks to do all of the heavy lifting for you.

Was this a lifestyle decision?

When the economy tanks and the sponsors compensation is drastically reduced, the sponsor makes the decision to maintain there lifestyle at the investor’s expense. 

They used the profits to fund their life style.2.

Syndicators who brag about their instagram lifestyles without a big old pile of exits... probably bought that lifestyle with their investor's money, whether Ponzi scheme or exorbitant acquisition/management fees.That... or selling high ticket coaching items on the power of real estate.

One of the things he championed was the use of religious bodies for that purpose, something no Marxist would have permitted. 

Focus on the lifestyle and property amenities.