Hey @Patrick Braswell  You shouldn't have any issues getting a DSCR loan as long as you have at least 1 borrower who owns 20 to 25% of the property, or if a couple of you can get to that level combined. 

What entity issues the prom notes?

The letter also states the total non-rent items currently owed by the tenant, such as accumulated late fees or repair charges.Also very important, the tenant states they have no unresolved issues with their current landlord, except as listed in a space provided, and they have no current plans to cancel their lease under the Service Members Civil Relief Act or for any other reason. 

And you're totally right, housing issues cut across political and other lines.

Is there any state statute dealing with this issue?

Also, check for prepayment penalties or clauses that could cause issues.

Many of the properties I have been looking at have issues but in this case I'm working with the seller to let me get it up to conventional appraisal standards before they inspect it.

Most negative comments come from competitors, those nitpicking minor issues, or people who haven’t worked with the company at all.

I have done it in the past and never had an issue until recently.

If I had an answer to my money issue then I would quickly pull the trigger on a good deal.