All funds process through various channels but the PMS (with trust accounting which is very important) keep track of all the funds and then we disburse monthly to the owner. 

.  Based on their long-term track record, I would think their opinion is as good as any and better than most.

They know my track record, etc.  

Key Market Movers and How to Track Rateshttps://www.biggerpockets.com/blog/2024-dscr-loan-rates-and-...How Do DSCR Lenders Calculate Your Interest Rate?

But then because they have established such credibility, they can easily buy now with great rate and terms from lenders because they have the track history. 

They stated that they were not a lawyer so they couldn't comment on the legalities of my question and they still worked for the bank so they couldn't give me any more info without losing their job but assured me that I was on the right track, keeping asking these questions and don't stop until you find your answer. 

After all PITI, utility, and services (lawncare and cleaning) costs I have $7,225.I set aside 25% of this for my maintenance fund.The remainder funds my lifestyle, wife has a Tesla, and quarterly vacations as well as business growth.In 2023 I am tracking to build 4 duplex units designed as room rentals funded in part from a recent land sale.

Personal touches, like the ones we’ve been discussing, really help set a property apart; and it sounds like you’re already on the right track with your thoughtful approach.It’s also awesome to hear you’ll be in Scottsdale for work in 2025!

Track other flips in that area if there are any.   

Granted I did work on the RE items throughout the calendar year, but I didn't track the time.