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.

Have you tried contacting the main office or different individuals in the company? 

Ironically it's normally the individuals who go to the greatest lengths believing they are protecting themselves who are the most reckless in the way in which they operate their real estate.

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

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. 

There are always some self-righteous individuals who try to appear as very professional figures in this community. 

Giving away the place cheap only creates more work for yourself screening lower income individuals, and attracts scammers.

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

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

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.