Also if you ever decide to move out and rent the entire condo, the HOA might have restrictions like limiting the percent of long term rentals.

Like you mentioned, frequent crashes, problems uploading photos, weird restrictions on what words can't be used, listings removed for no obvious reason. ....and, to me, the navigation/operation is very unintuitive and cumbersome.

So while Umbreall insurance will provide me protection but how do I keep liabilities [Without a LLC] restricted to one property asse.   

^^ not a way to get around the net income for your rental, but as mentioned DTI restrictions are different from lender to lender so you might find more leeway looking into that. 

Park rules are usually much more restrictive than even houses in HOAs because mobile homes and RVs are close together, and have older residents who are nosy and particular.

I just started my direct mail campaign and it took a whole Sunday (3:30-9PM) to do 200 letters and this was about as automatic as the average Joe could get:Printed Yellow letters using Officejet printer (Paper from Amazon)Printed envelopes using the same printer (Envelopes from Dollar Store)Bought 400 forever stamps from the Post Office to create the "genuine" effectStill, folding and stuffing papers was an extremely underestimated variable.

We're using Smarter Contact for texting drip campaigns, and it works smoothly.

I understand the argument that the general public should not be restricted from investing in “highly profitable” deals, but what tends to end up being offered to unaccredited, unsophisticated investors in the “junk” end of the investment spectrum. 

There should be other options, however with an LLC and fourplex - yes, DSCR is by far most likely to be your best option unless you do the heavy lifting with local banks and credit unions (and these are increasingly not great options for this type of stuff as they move painfully slow and are under lots of regulations and restrictions)2) I haven't yet reached out local banks, but seeing the quotes from brokers makes me wondering if Banks may be better? 

No breed restrictions.