Thanks for the detailed reply, Joe.

Here’s how we handle applications:Income Verification: We require proof of income that’s at least three times the monthly rent, verified through six recent pay stubs and a detailed employment verification process.

Landlord friendly I'd be happy to connect with you and go into detail on how each of these have shaped Memphis to be a great rental investment market. 

Since you’re planning a mix of long-term and short-term rentals, keeping detailed records and setting up a solid system for managing finances early on will be key.

Or send me a DM and I'll send you the details. 

If you provide specific information such as the address, property purchase price and value,  credit, property rental income, taxes, insurance, experience, and Fico you should be able to get a term sheet detailing all the closing costs. 

Also send me some details on your service offerings, I am potentially looking for a new tax accountant.

Utilize tools like BiggerPockets for resources and calculators, and consider creating a simple spreadsheet to track property details, budgets, and timelines.

just curious thats some pretty detailed infomation..

Here's a bit more in detail about how rates are calculated for DSCR loans:1.