Confused because DSCR by nature looks at the income the property is generating and not your personal income or credit I believe. 

@Ryan NelsonYou’re a little confused about the items in the offer.Seller’s concession means that you would agree to allow the buyer to add the closing costs to their mortgage.

I'm confused on how the financing and construction loan would work.

So, I'm now quite confused about the true value of the property. 

I'm confused with the potential overlap of functions.  

And you are also confused, because the point doesn't have to be that the equity you access has to be redeployed at a cost exceeding that of accessing the equity - if that were the case, you would have to maintain a j-o-b or similar since accessing any of your investment assets for non-interest earning activities (such as buying groceries) would always be a loser.

There is a lot of confusion around this law so on this podcast Jerry interviews Gary Pickren, a SC lawyer and member of the SC real estate commission to clear the air.

I am a little confused on your post.

This can be confusing to people who will inevitably say, "Why did my taxes jump by thousands of dollars!?"  

Brechman, the foreclosure process can be a bit confusing.