I'm fine paying my fare share of taxes, but the government incentivizes us to do what it wants us to do - buy real estate, by giving us tax breaks.

Additionally, checking local listings on Zillow or Craigslist can help fine-tune the rental rates in that specific area.

How about a fine for those who use ChatGPT to write those generic threads like “How to Get Into Private Lending” or “How Great Private Lending Is”?

Especially if it was just in the fine print.

They can & will impose fines until you stop. 

As I mentioned above, the risk of being sued, found guilty, and fined more than your insurance will cover is almost non-existent. 

And, they generally bring forth action when a neighbor files a complaint and the fines/remedies can be painful. 

We decided against taking the legal route and continued to plead ABC Baltimore to finish the rehab and pay us the monthly rent without success.Of course, during this entire ordeal, Baltimore City issued several citations and fines to our property because ABC Baltimore was often working without required city permits and leaving construction trash outside.

Fine, no big deal.

If you don't provide the information that's fine, but it would be a transparent answer.There are hard money lenders who underwrite to DSCR standards with their own rules, and commercial loans with use DSCR in various  applications.