Does anyone hear have any experience with either of these companies? 

Water, power (no gas) are billed directly from the utilities company. 

I kind of traded my 20s for the freedom of not working that started at 41.

Dont trust this company!

Some companies call this a markup for managing the payment of utility bills.

The concern with the DSCR loan is that I need to make the property present as though it's rented to individuals during appraisal (tough since it's a working rehab facility now) and must create another lease that shows the tenant as personal and not a company.

The macroeconomics are on fire here - population growth, job growth, and companies moving and developing here.

I definitely would pay attention to key macroeconomic stats such as population growth, job growth, and where companies are moving/developing.

It's an amazing market here with so much incoming growth due to population growth, job growth, and companies moving/developing here!

See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy+tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.