Quote from @Steven Stanimirovic: Hi Rich,The prepayment penalties you’ve encountered are quite standard with DSCR loans, as lenders often structure these penalties (commonly called "step-down prepayment penalties") to offset the risk of early loan payoff.

It’s a good idea to confirm you have a path to record title in a way that’s financeable, even though this isn’t a standard fee-simple sale.The big question is whether it’s reasonable to pay a market-rate price when you’re not actually scooping up the land.

This allows you to buy using a LO, but you don't have to sell to the tenant, which allows you to have a standard tenant in place. 

Only thing better would be initial deposit and then paid in full upon Certificate of Occupancy and punchlist complete.Of course, standard items should also be checked: licensed, insured, willing and able to pull all required permits, reference checks.I would also commonly avoid the cheapest bid you get.  

It's all rather standardized. 

I think what you describe is pretty much standard performance for rental properties if your not paying cash and I am just assuming your putting max debt on them to try to get your return numbers into your criteria..

Standard disclaimer I’m not a Financial Advisor and this isn’t financial advice.I’d buy REITs in your shoes.

This is our standard and role model for the US President?  

Look into local rental demand—perhaps that area can support a short-term or mid-term rental strategy instead of a standard yearly lease, which might boost your income.

All those states' metros are going to have a relatively tough time "cash flowing" with minimum down and standard LTR.