Banks do a Global Cash Flow approach to DSCR.

Additionally what many may not realize, globally insurance has been hit hard by repeat events in different product lines (fire, flood, wind, all risk etc) over a 4-5 year timeframe.

Zip codes such as 73110, known for vibrant urban living; 73105, offering diverse rental options near downtown; 73127, with consistent demand from students near the University of Central Oklahoma; 73132, a family-friendly area with excellent schools; and 73114, in proximity to Tinker Air Force Base, drawing military personnel, stand out for long-term rental investments.

Fannie/Freddie use a "global cash flow", meaning they look at all of your mortgages, principal, interest, taxes, insurance, hoa payment, car payment, student loan payments, credit card payments...you get the idea.

MN has vibrant summer economy, vibrant fall economy, vibrant winter economies, and has put in the work to emphasize each individually making for a "beast" of an economy on the whole. hence why it's known as "Good Ole Reliable". 

Ohio is worth considering, as it is home to vibrant cities such as Columbus, Cincinnati, and Cleveland.

BP is a vibrant resource so utilizing the articles, forums, and blog will give you all the online knowledge you could ask for, and more!

Quebec has some of the strongest rental protections globally as far as I'm aware (both you have to inform future tenants of what the past year's rent and that you have to strictly justify any increases). 

If you want to throw caution to the wind to feel better about yourself as a global citizen, more power to you.

It's booming with growth, has a vibrant cultural scene, and the rental market is strong – plus, it's a hit with both families and professionals.