You'll find most HMLs will use lower operating expense margin when they underwrite a DSCR loan as they usually only factor in taxes and insurance. 

But, these broad market studies are so large, they are almost meaningless, in the real world.Between glut of new supply in many "hot" markets coming online, a continually softening economic outlook, inflation over last couple years making day to day items feel cost prohibitive, many average renters are strapped and seeking lower cost housing.  

Cross-Collateralization – A lender may finance the full $160,000 purchase by using your existing properties as additional security, lowering their risk and possibly reducing your down payment. 5.

This could include lower wages, longer hours, lack of safety, etc.

Often times if you lower the rate, the fees go up and vice versa.

@Paul GarridoWhy not lower rent? 

Some of the best performing properties can have an occupancy around 60% for the year and sometimes lower.

You can always lower the rent if need be.

For instance a lender that requires a 15% down payment will have a lower rate, because for them there is less risk.

As far as what to tell them, you simply say that you're listing it for $1,700/month and are not willing to lower the rate.