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.

With so many banks to choose from and me already doing thorough research, I was hoping someone had a personal good experience with a certain bank or an individual at a bank who understands our world.

How do you price out an individual room vs the entire house?

Is this because you had a PM with insurance for this kind of thing or was this a clause in your individual building insurance policy?

Gray area interpretation up to individual courts which have rendered seemingly contradictory decisions.  

Since they can't do each property individually, they use comparable sales to make broad generalizations to determine percent changes.

Requiring the homeowner to replace the pipe individually would seem like a huge octopus of inspections and enforcements and etc.

It seems like it basically up to you to do the math on how much more you will potentially make selling each unit individually and then deciding if that extra $$$ is worth the number of extra hours you will spend.

You can do a "placement" fee when the individual first adds the animal, followed by a monthly fee.

I think this will work because this 16 unit will function more like 40 units with 40 individual renters.