Fully occupied, the property grosses $5,570/month with $4690 net profit after expenses.

Because they aren't traditional tenants in the sense with a 1 year lease and to determine fit for the house, I like to start everyone on 2-4 month leases and see how they perform.

The combined revenue as LTRs, however, would be about $3000/month.

The top funding DSCR lenders in the US in dollar and number of deals order:ChangeFairwayAngel OakA & DAcraNexBankRCNStronghillKennedyThey all have reserve requirements that exceed 3 months.

None of that is free, but probably well worth $30-$50/month or whatever they charge. 

Very little documentation requirements, no income requirements, etc, just need to have on-time payment history for previous 12 months, and be lowering your interest rate at least .5%. 

FHA rates are actually lower than conventional right now even though there is a monthly mortgage insurance it’s not much in most cases.

It could provide the belief that an unpermitted unit built next month will get protected.  

That's only Map Phase I:)Map Phase II coming end of month (hope).We've got Phases III & IV already in the planning stages:)

Keep everything on a month-month basis.