But I am still shopping before making up my mind.

So, a risky reclamation project, like many shopping centers bought in potentially gentrifying neighborhoods. 

Its like going shopping on black friday for something you do not need and saying "i saved $100", when its actually - you spent $400.Could that money be better invested and provide a return for you vs. putting it in a depreciating asset?

This property’s location in South End is a major win—walkability to shops, restaurants, and the light rail makes it very desirable.

Again, you certainly don't have to verify it this way and to some extent that is why most invest with turnkey companies - it makes it easy and is a sort of one-stop-shop but I think your definition of doing your 'homework' may be different than my definition.

As a mortgage broker, I shop my clients' loan to get them the best possible loan and the least fees while helping them to reach their investment goals.

But we had four kids, a hubby who was a car guy and needed a shop or big garages, and a limited income.

NonQM "shops" offer a variety of loan types, DSCR being one but they are the lower rates and fees.

If you anticipate selling the property soon, it’s worth negotiating or shopping around for a lender with flexibility in prepayment penalties.Feel free to reach out if you'd like to explore tailored DSCR options that suit your goals.

Many mortgage shops do NOT allow their loan officers to also be RE agents on the same transaction to much of a conflict of interest.