Life doesn't have to be tough as that word implies to me. 

I started with a duplex when I was working as a personal trainer and growing that business.

The label "DSCR" isn't a loan type, but rather a qualification method, which simply implies that the basis for eligibility and repayment of the loan will be the net operating income (NOI) produced by the property, as opposed to your personal income. 

I've spoken with several lawyers on this, but I know everyone's mileage varies on this topic.I don't see why having my name on the debt note would imply co-mingling of funds. 

This implies buying costs more than renting in terms of cash flow.  

Advertised Price$290,000.00Advertised Cap Rate7.40%Implied NOI$21,460.00Units8Four - 2 Bed/1 Bath ($575; $650; $620; $615)$2,460Four - 1 Bed/1 Bath ($550; $535; $575; $550)$2,2102 Bed Units$2,4601 Bed Units$2,210Vacancy5%Total Revenue (Mo.)$4,436.50Total Revenue (Ann.)$53,238.00Taxes$8,420.00Insurance$3,551.00Cleaning & Maintenance$6,835.00Gas/ Electric Common$1,416.00Management Fee (6%)$3,194.00Sewer$3,000.00Water$2,800.00Waste$1,044.00Misc.

He seemed to be implying they might as well have that on them or available to "pay to stay".

I'm confused, are you saying you paid the $4000 or are u implying that someone else did?

This might have been implied somewhere but how heavily did you weight "rent %"?  

We find that the clear purpose and spirit of the Anti-Eviction Act -- to ensure that evictions are based on "reasonable grounds" -- require the conclusion that where late payment or nonpayment of rent is the direct result of an unreasonable lease change of the kind impliedly barred by N.J.S.A. 2A:18-61.1(i), such late payment or nonpayment will not furnish good cause for eviction under N.J.S.A. 2A:18-61.1.