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. 

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

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

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

Internal Revenue Service (IRS): - https://www.irs.gov/individuals/how-do-you-report-suspected-...5.

., 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.

I’m now venturing into new opportunities to expand my expertise and grow my portfolio.I joined BiggerPockets to connect with like-minded individuals, share insights, and learn from the incredible wealth of knowledge this community offers.

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

Gray area interpretation up to individual courts which have rendered seemingly contradictory decisions.