I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

No real barriers associated with buying "under value" sub $250K houses.

You should be well compensated for this effort and the associated risk.  

My best appreciating properties have appreciated over $10k/month over the hold period.the best investors evaluate the risk associated with return.  

I know the cost associated with a DSCR is much higher than with a Conventional loan but the commercial zoning may be problematic for Conventional.

@Anna McClure Are you associated with Grocpitus?

What are the points or origination fees associated with the loan?

Building relationships with wholesalers and attending local Milwaukee REIA and Rental Property Association of Wisconsin meetups could surface off-market opportunities.

My insurance company determined that they were not responsible because the problem originated it form INSIDE the wall which was the responsibility of the condo association.  

The National Association of Realtors just named it one of the top 10 best markets of 2025.