It's simple IMO, if your income covers all your expenses, and you have enough left over to save and invest, you are good to go.As long as your non W-2 income streams are coming in fast enough to replenish your accounts. 

DSCR lenders make their own guidelines that can be similar to conventional loan guidelines but are often different as the DSCR lenders generally sell their loans after closing to replenish their cash to investors who have different guidelines depending on the investor pool. 

It will create that big nest egg and over time it replenishes with cash flow. 

Their is a $1500 reserve that the HOA picks from when needed and I never had to replenish it as an automatic 5% of the rental income goes in per month and stops once toped off.

My PM specifically holds $400 to handle minor maintenance requests if there arise and replenish the $400 with the next rent payment. 

Recycle that money while continuing to save more to replenish it and keep BRRRR’ing until I have a nice chunk of equity.

Developers are eyeing dormant projects, while banks and other lenders are preparing to replenish their loan portfolios.

So, the overall function would likely be to buy a few months to replenish savings to pay it off. 

PAYMENT DISBURSEMENTS - Incoming rents would come into a general rent account, replenish the maintenance fund for any expenses incurred through the month, take the PM fee, and then disburse the rest into the owners account.

Now I flip properties to replenish cash for the next investment.