But even if you fall under the normal amount for debt coverage there is other loans like DSCR  which qualifies the propertys income and not your income.

I also work with normal buyers and sellers as well as with OOS and International investors. 

But if this is the new normal, it could jeopardize our very business. 

With a income of 100K you should be back on your feet quickly, assuming you understand how to live a frugal lifestyle and be investing in less than 5 years.Pay off all your debts, save money by living a super frugal lifestyle and rebuild your credit.

I would just treat it like a normal deal if the numbers make sense.

North park, normal heights, university heights.

Otherwise they'll think "Eh, why not lease it to a 'normal' tenant?"

@Brandon Croucier That isn't correct... state laws allow you to enter the property within certain time periods, normally 24 hrs, with or without permission.

It gets you a $260-$280k house with "BP reserves" and normal closing costs. 

Those are the hardest to notice because they dont cause any damage and drain normally.