As long as the property generates enough cash flow to service the debt, you qualify—without the need for personal income verification.This type of loan is ideal for those serious about growing their real estate portfolio, especially if you’re self-employed or have irregular income streams.Why DSCR Loans Matter for Real Estate InvestorsWhen it comes to real estate investing, traditional loans can often be restrictive, requiring personal income verification and imposing limits on the amount you can borrow.

Boat and RV storage is at a premium for many people so you have a good idea to use existing land to generate income without doing too much in the way of improvements.

Some associations may find it financially unviable to maintain their properties, leading to potential sales of condo properties to developers.

And when you sell it if you meet the primary residence requirements the profit is tax free.It is possible in many instances to own successful rental real estate that generates real dollars in your pocket but operates at a loss for tax purposes. 

A leak causing water to flow under the sub-floor and into the crawlspace can lead to significant structural issues if not addressed promptly, and you’d likely need a plumber and possibly a contractor to assess and fix the damage.

That's why I'm thinking I would have to spend a good amount of money on lead gen.

Are you looking to lead with long-term cash flow, equity growth, or maybe both?

You can expand your network in this manner, which will lead to conversations with people of varying backgrounds, who may need your help.

As long as the cash flow exceeds your PITI, it can help offset the debt, but lenders will have different criteria on how they calculate this.For your second question about a duplex with seller financing, while the seller may still hold the title until the loan is paid off, the rental income you generate from the property could still be used to offset your DTI.

This test ensured that 75% of the total monthly rent for the building would cover the mortgage, taxes, and insurance on the property.For example, consider a three-family property generating $2,000 per floor, totaling $6,000 in rent.