Maybe selling is an idea worth considering if the house is a Mona Lisa and kind of beyond the general reality of typical tenant's maintenance obligation and ability, and they aren't paying for the additional quality.If you really want to keep the home, you may find a way to be very happy about it with the right team, whether it be property management, electricians, contractors, or tenants.

Typically 75% of rental income can be applied towards your DTI for qualification. 

Typically the first set of tenants I screen are the ones who end up in the unit due to prescreening activities like my application and making sure I meet them.

I wanted your typical 3 bedroom house (not necessarily 2 bath) which cash flows.

We all use private investors or NON/QM investors for DSCR but some again charge points and some do not because they UW the file (Mini-C).Most Bankers typically offer rate closer to PAR or less margin built into the rate.

Generally, the biggest difference is that DSCR Loans often have prepayment penalties attached which typically will have a 1%-5% fee if you prepay the loan within the first five years so its the "risk" of having to pay a little extra fee if you sell or refinance the property pretty early on.PS - check out this series of 10 articles published on BP on all things DSCR Loans which can give you a full rundown on everything you would need to know when using this type of loan!

We typically alter our strategy seasonally, as demand shifts with the seasons.

If we get the impression they aren't committed or if they are looking for a "get rich quick" scheme, we typically don't accept them in the community. 

I would echo @Brandon Croucier - the secondary market for DSCR's is super aggressive and rates typically reflect that.

It depends on the rental income, what you plan on putting down (20-25% is typical, 15% or 25% is required for conventional depending on # of units) For your owner occupied deal, you should be able to use a portion of the rental income to qualify and help offset your DTI a bit.