You need to be careful and make sure you're not including the credit card/paypal payments when you're calculating the amount to use in the 1099-NEC/MISC.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

Quote from @Jake Baker: @Andrew Syrios I looked at my last five flips to calculate the rehab cost overrun; the average was 15%.

Just enter the address of whatever property you're looking at and the site calculates the market rents 

Also if it is intended to possibly be a rental you should calculate the end result of the acquisition, the debt service, the rehab, etc and pretend to get a loan to refinance. then look at the potential rent to offset that monthly cost and see if it would cash flow.

The market was not as good as I originally had calculated in that area.

If there’s no lease, the appraiser will determine the rent to calculate the DSCR.  

This way you can calculate how much you can realistically invest and keep for reserves.

My guess is that it won’t actually take you a lot more time, just the extra fees, but those should be accounted for in your profit calculations 

But don't take my word for it; do the calculations for yourself;4.