@Chris Mahoo many new investors don't take the time to properly understand RE investing.1) Many are using approaches from 2010-2018 when Class A property prices were so low from the Great RE Crash that an investor could cashflow and get pretty easy Class A tenants to manage.2) If you look at what investors were doing before 2008-2010, most were buying Class B & C rentals.To make it worth while, an investor either needs to Fix & Flip or invest & hold rentals for 10+ years.- Over a 10 year period cashflow will increase as rents increase (rents typically rise faster than property taxes, insurance, etc.)- The property should be appreciating, if purchased in a good location, increasing the owner's equity/wealth.- Rents will be paying the mortgage off, increasing the owner's equity/wealth.- If you hold a rental until death, you can pass it on with a stepped-up cost basis, limiting captial gains if then sold (limited by inheritance tax limitations).Too many newbies on this site trying to replace their day job income via "passive" real estate investing w/o digging deep enough to understand how it really works.

I detail here how my first flip essentially bankrupted me which resulted in this house losing money as well.It’s easy to blame others for all that went wrong.

It sounds like the tenant has solid evidence their check or auto payment was received by the wrong party.  

@Unal Baris Kancoglu - if it is an easy switch out, probably $8k right now.  

It's not easy, as I said we dance the razors edge of profit and loss and last few years it's not been very profitable despite sizable growth. 

Local references are invaluable because those lenders have proven themselves in your market.Work with Reputable Companies: Some well-known DSCR lenders with a solid reputation include Lima One Capital, LendingOne, Kiavi, RCN Capital, Visio Lending, and Easy Street Capital.

What matters more is how easy can you get there, how often will you be there to learn, how good is your team. 

Our company is built to make it easy for everyday investors to invest in rental properties.

Second, you're incorrect about where the savings come from when paying extra principal and there's a real easy way to show you. 

At that time DG was easier to work with( they are still easy to work with in aspects, but once a company gets big some things change and more and more stuff gets larger especially the cost to build to suit.