I am pretty sure my viewpoint is shared by just as many as those that are ardent supporters of Dave Ramsey like yourself apparently.  

And while BiggerPockets is a platform, not “Scott Trench’s boring old school approach to wealth with good old fashioned personal sacrifice to let personal wealth steadily compound” I often regret allow certain opposing viewpoints into our space. 

So many different thoughts but it’s nice to see other people’s input and viewpoints.  

Since from this viewpoint money is coming into 1 pot & coming out of that same pot to pay for your housing expenses, there's no discount on the household housing expenses.

Too many people read into it from a discrimination viewpoint - in my opinion.

The book was released in 2018, pre-covid, and I wonder if the RE market has just changed this much or if Michael is just really focused on finding the 1 out of 100 deal that has the high cap rate and is a viable deal.Ideally I'd like to find a community/mentor that can give me some input on the realities and possibilities of the deals in today's market and normalize some of the viewpoints that Michael states in his book. 

Summary of Key Differences: Aspect DSCR Cap Rate Purpose Measures debt service ability Measures investment return Formula NOI / Debt Service NOI / Purchase Price Focus Cash flow vs. loan payments Income vs. property value Perspective Lender’s viewpoint (loan approval) Investor’s viewpoint (ROI evaluation) Role of Financing Highly dependent on loan terms Independent of financing Use Primarily for loan qualification Property valuation and comparison Conclusion: DSCR is critical when securing financing because it shows how well the property can cover its debt payments.

@Scott TrenchBP or any forum participants will always lean towards the “positive” viewpoint.  

Funny how opposing viewpoints are financially driven :)Im a real estate agent who self-manages, so naturally I'd say find a great agent.

All depends on your viewpoint and understanding of the STR strategy.