@Matthew Kwan, he is asking why the underwriters will not allow him to use the proposed rental income from the subject property at time of purchase.

So here it isCash price:  $556,000Owner financing market terms:  $611,111Owner financing favorable buyer terms: $666,667Classic mistake of (1) not accounting for all expenses that determine cap rate and hence ending with higher net income and (2) choosing lower cap rate appropriate for property with less risk and more desirability than subject property   It's not a sellable business.

Frequent turnovers can quickly eat into your profits.Instead, I’d recommend building up a solid reserve fund and addressing work orders promptly.

If so, how frequently?

Youtube is the second largest search engine, and has videos on basically every subject known to man.

For instance, the latest regulation in my state starts: "830 CMR 64G.1.1 repeals and replaces the regulation formerly titled as "Establishments Subject to the Room Occupancy Excise" and reflects the statutory changes enacted by St. 2018, c. 337 and St. 2019, c. 5."

@Luís Ferreira  how can I found more on this subject?

I recently came across an interesting opportunity and thought I’d share the details.
Mortgage Details:
Outstanding Balance: $70,000Fixed Interest Rate: 3.75%Monthly Payment (PITI): $950Loan Maturity: May 2045
The p...

Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

Borrowing cash from another source does create a lot of risk so make sure to stick to your numbers and make the deal happen where you minimize that risk.Another option perhaps not mentioned is a wrap-style deal subject to or seller financing.