Prioritize your financial stability.

It’s a very small asset class right now for any feeling of safety.

Rather than comparing Lenders/DSCR loans solely based on these factors, I would advise you to focus on below questions and prioritize what you really need in the DSCR loan/Lender? 

Core values that have been vital to our company’s success include integrity, ensuring we always deliver on promises and prioritize ethical decision-making, and collaboration, fostering teamwork and open communication at every level.

Prioritize your financial stability.

If it sounds too good to be true, then make sure that you take the necessary steps to ensure your own safety.

I'd be in one heck of a situation if I had all of my units go vacant for a month or two, and expect to have that money to pay expenses...and no safety net.However, what if you could take your side of the equity and find your feet. 

I believe the safety is solid for my wife and me; in fact, we are about to start having children here.

Operations- tenants refusals, either cull them before they get to you by requiring autopay as an example, document on their application why you refused them, make sure your facilities are maintained properly and no safety hazards exist, etcLLC.

Definitely go the legal route here, don't rent out the basement unless you have the OK from the relevant authorities--it's regulated for a reason (fire safety, carbon monoxide poisoning, etc.) and your insurance will not have your back if something goes wrong.