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.

I've been doing a lot of reading along the way and although informational I feel as no book truly illustrates the amount of money you need to have up front to purchase your first property AND/OR methods or programs you could use to help offset some of those cost.

I want the concept plan to illustrate hypothetical lot layouts with different zoning regulations such as R20, R30, R40, PUD, or special use.

Kind of illustrative of the principle that you're better off buying quality properties that have the potential to appreciate.  

I am a South Florida Realtor for Illustrated Properties, here in Palm Beach County.

(These numbers are purely for illustration.)

This is a complete tangent, but this also illustrates why I think living in high cost areas and investing in them is a great idea.

My numbers may be off for your market, but still illustrate the strategy.

Let me give you an example of the current situation which may illustrate another issue that may be impacting the Tampa market which hasn't been discussed yet-- fraud. 

I'd like to see you strip the names out of this and make it a BP Blog Post - illustrate some of the dangers of TK investing.