So creating all these funky financials is great, but if you are using those in a presentation that information should be in the PPM or an official document as if someone is making a decision based on that - it can come back to bite them.

I'm interested in a similar approach: live in one unit and rent out the rest.

Have a great rest of 2024 and than you for your help.

I would like to hear your thoughts and what I need to verify before making an official offer.

To echo the rest of the group, if you're planning on holding the property, a DSCR is likely your best bet, assuming your investment property is in a rental area that supports the debt service. 

And, I think you can rest assured that somewhere among your acquaintances is someone who has noticed what you've been doing and has been inspired to take action.

Oregon has officially declared war on rental-property owners.

Two Reasons: First, because 50M people in this country either work gig jobs or are illegal immigrants, when they lose their jobs or have their hours scaled back, it doesn't show up on official unemployment stats.

The rest are vanilla conventional investment property loans. 

My GC should be able to find you the rest.