.: @Eric Bilderbackthe short answer (or at least my own personal answer) to explain the decline in fertility is... it's complicated, and I probably don't know all of the factors behind.  

Of course there are other factors such as fees, but so far I have found those to be relatively minimal.

I'm not a typical Realtor perse looking for clients so I don't need the trust factor that may go with the REALTOR symbol in my marketing or anything.

I could be wrong due to glancing and it is only noted here as some investors may evaluate deals with that as a factor.

When considering refinancing, also factor in the closing costs of the new mortgage to determine if it actually helps you.

Insurance is just an expense to factor into your underwriting just like property taxes.

@Theresa Amouzou A lot of factors go into finding good deals.

The house will need a new fence soon, so I'll have to factor that into the scenario.I'm not sure which choice is the best option for me.

They have a high hassle factor and he sold most of them.  

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).