To summerize, a DSCR loan, aka lite doc or business purpose loan, uses the rents you receive on the property and divided by the new loan PITI to receive a ratio.

The best way to develop a solid SOW is this - you start off with what you are visualizing in your head, send drawings, pictures and products that you like.

Assess Your Goals and Current Structure: Beyond replacing your handyman team, it’s important to evaluate your portfolio’s current management framework and clarify your long-term objectives.How are responsibilities currently divided among you and any co-owners or family members?

Is there any way to divide a lot under SB9 without having to live on the property for 3 years as required by the current rules (at least in Riverside, CA)?

Some people that my broker knows spent money on an attorney to draw up a contract who meant well but caused more harm than good.

Drawing from your industry expertise, what would you consider the average success rate for Fix-and-Flip investments, and which localities offer the most potential?

I thought any number of times of pulling those cards out of the deck, it's too unrealistic and too much luck for the person who draws it.

Multi-family properties typically draw transient tenants, singles or couples without children, who stay only 1–2 years and cause moderate to serious damages.

But, I feel lots of these video influencers basically draw a "cult-like" following, for lack of better term.  

At least I am drawing my conclusion from my knowledge of algorithm, higher education and real estate experience on top of handling thousands of guests and residents with my own hands.