I wouldn't call that a true "DSCR Loan" - especially considering that a ground-up construction property won't have any cash flow so DSCR would be negative or 0 numerator if you'd try to calculate it

There are numerous value adds such as traditional rehab, development, change of zoning, TIC, etc.

It has been my experience, too, that smaller banks with a deposit relationship have a lot of flexibility and a variety of products on offer.

Many investors start with a variety of insurance carriers to manage different properties.

On top of that, we’ve secured numerous deals with 0% interest through seller financing, which has been a game-changer for cash flow and long-term profitability. 

I have talked to 6 different attorneys from a variety of firms (including Anderson), my priority remains to use a firm that is committed to delivering real value and doing the strategies I'm looking for, correctly. 

If you use any of the major mailhouse services, like Yellow Letter HQ (a service I can personally vouch for), they offer a variety of templates and even provide text suggestions.A smart way to analyze this strategy is by observing people in your local market who use mailers and identifying what works or doesn’t work for them.The simplest and most effective way to test this approach is to pull a hyper-targeted list of distressed homeowners and run a small-budget mailer campaign.Hope this helps!

A guy I know opened a restaurant and got numerous bad reviews back to back.

I'd be happy to discuss further, but I have numerous clients that have positive cash flow & fantastic appreciation. 

If I mainly want to vacation in Costa Rica and stay in a nice place, I rather make more money by investing elsewhere and rent a different villa every year, which is much more exciting from a lifestyle point of view, as I'll have variety.