Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

Even if he shows up to court, all you have to prove he owes the rent.

It can be tough to make money with high leverage, especially if market conditions change.

I would look up some articles on Google proving that this is how bed bugs travel, then make the tenant responsible for treatment.If this is a multi-family, then the bed bugs could travel from an adjacent unit.

Personally I think it should be a legal requirement for the reasons detailed above, showing comprehension for the legal contract there entering by proving consideration and thought has been made for potential exit and dissolution of said contract. 

In my experience, most lenders cap at 75% LTV, and even then, it can be tough to pull out enough equity to get meaningful cash at closing.That said, I’ve noticed a lot of investors, myself included, facing cash crunches lately.

I mean trying to make great returns for our investors is tough enough as it is and of course not every deal is going to go perfectly one just has to look at back to the GFC some pretty smart folks took a beating. 

I haven't found the one yet, its a tough market from what i've been seeing the last few months. 

Tough environment to focus on studies. 

As far as what you are asking, it will be very tough, and probably impossible.