The ADUs that the most experienced are adding leverage bonus density program or other such rules to add multiple units and for the most part they exit.  

The DSCR program "Must use the lesser of the two either common rent from the appraiser 1007 rent schedule form on the appraisal or the lease".You also have to factor in the taxes and insurance because a guesstimate or ball park can kill the approval. 

The 70% rule is reserved for talking points by the guy on stage talking to an audience who they’re trying to sell a coaching program to   It’s a get excited number not a do a deal number   The equation is: maximum of 65% of AS IS value.  

But if there is a job loss and can't pay then do the notice and or cash for keys program. 

If your goal is less required documentation, DSCR is likely your best bet as most everyone as mentioned, possibly a bank statement program depending on your job structure. 

The real estate market is constantly shifting, and most coaching programs are outdated.

This is for one lender's program.

Whether an individual consultant or a mentor through a program, mentors provide the foresight and support you eventually need because of their experience.

I launched a coaching program aimed at real estate agents who want to transition from traditional transactions to building their own portfolios.

They've recently introduced a program called "pre REO" which gives them a strategy to help pull investment capital from these assets which are waiting for foreclosure and exit so that they can recover some of the investment capital from the assets to meet redemption and capitalization requirements for the fund.