Certain expenses are all lumped together for the sake of the P&L like insurance and taxes and others like repairs and maintenance can be viewed collectively or by individual property.

Also consider short term month-month leases on airbnb, renting individual rooms, month to month leases, just to get the cashflow energy flowing again.  

So, you, as an individual, may not get to the same rate that a MASSIVE national builder can...but you can certainly offer credits to the buyers to help buy down the rates. 

Its my understanding that the individuals are responsible for all the legalities, contracts ect to make it safe not to get ripped off. 

Since they can't do each property individually, they use comparable sales to make broad generalizations to determine percent changes.

., contracts, blueprints, reports, scanned records, etc.) while managing access permissions for teams and individuals.2.

I’m now venturing into new opportunities to expand my expertise and grow my portfolio.I joined BiggerPockets to connect with like-minded individuals, share insights, and learn from the incredible wealth of knowledge this community offers.

 This individual might have a furnace problem?

But I do not have to wake up and use the most valuable resource in the world - time - to contribute to another individual's or corporation's wealth.

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 = 1.23DSCR lenders generally let you vest either individually or as an LLC.