The most profitable property I have is a simple, compact 3BR/2BA home in a nice neighborhood with a Studio in-law unit.

Others have said they are proportional to your assessment. 

Its very compact (3b/1 ba, 1054 sf), so even with some structural repair to be done, I cannot imagine a gut rehab to be extremely costly.

I hear that in this present moment a lot of people are moving out of the more compacted areas into the more open spaces.

Proportional would make most sense and be easiest to manage.

When people mean DSCR loans sometimes its confused with Gross DSCR 8-9% commercial use/business use rental product then theres local bank that uses REAL DSCR (NOI/debtservice) and yes that is what you what to use to hold your property ultimately.I do the rental grade DSCR based on gross income too and it has its use of course but if I was the RE investor id rather have the local commercial notes as you'll be 150-200 bps (1.5-2.00% rate) less than DSCR rental products (gross income / PITIA  or principal/interest/taxes/insurance/assessments type stuff).The ratio of residential use versus your offices will affect the appetite of which local lender/community banks will take this on as well because apartments are seen as traditionally more stable income flows so they'll want a predominant portion of the income to be come stable residential sources with the remaining proportion to be from office/retail.

Might be something to look into.Cheers,Taylor Taylor:That's not been our experience with any of the Big-5 (we've dealt with all but BMO on residential mortgages), though it has been a while since we danced with CIBC.Our experience has been that they all include rental income on a proportional basis ranging from 50% to 75%

Inherited tenants make up a huge proportion of the bad tenant stories we see here, because they're often the reason the place was for sale... it's not surprising to see a seller claiming all is good, when one hasn't paid in half a year.

We see it all the time on BP where some tactical idea, a tool if you will, that has a use for a specific set of circumstances, gets blown out of proportion as a way to riches and is co-opted by people that don't 100% understand the implications, but will use it anyway and tell others to use it. 

Here is plan for townhomes around a square which provide for ample parking, both in the driveway and the garage, and has generous proportions for open plan living: https://robertcarpentera.wixsi...