Considering that I have work in the property management field for the last few years, I am very familiar with what it takes to keep a multi-family property up and running. 

I've used Forrest and Fields to manage my 8 unit for 2 years.

Loans are not tithed on, since they are debt not increasse.So, if your field yields 10 ephod of wheat, one to God, one to Casear, 6 for eating through the year and 1 for planting the next harvest and 1/2 for buying a donkey and 1/2 for taking the Mrs. to town for falafel & figs. 

While I'm not certain about your current real estate objectives, I can assure you that this is an excellent platform to enhance your knowledge and connect with others in the field.

This will help you build relationships and learn from others in the field.

I can give numerous examples of California investors I know losing money from buying in "cheaper cash flow on paper markets."  

I even named them the #3 non-seasonal market in the US today in our BiggerStays weekly newsletter here based on numerous metrics.

I wouldn't call that a true "DSCR Loan" - especially considering that a ground-up construction property won't have any cash flow so DSCR would be negative or 0 numerator if you'd try to calculate it

There are numerous value adds such as traditional rehab, development, change of zoning, TIC, etc.

Market demographicsYou never know how grumpy a field agent auditing you will be.