I've looked into roof stock as a possible option but I've heard nothing but negative reviews about them.   

In my area I often come across people who never used credit much and only have 1 small negative thing on their report dragging their score down. 

best of luck. make sure you are speaking to a knowledgeable person in your area as you might be getting false information

Hey Stefano Vrolijk,Speak with a local mortgage broker and get pre-approved for a loan. 

Summary:The math speaks for itself.  

@Mike Grudzien Happy to help on an DSCR and we also help train brokers in this program so they can speak on & guide better on it, Great product to have.

@Kyle TrotmanI would suggest speaking to local banks, and credit unions.

I stayed in a STR with over 200 5-star ratings, and not a single negative.

I was getting ready to do this but if I can get ALL of the same features, not lose any previous data, AND get my BP Pro membership all for the $32.50 per month, I'm willing to do that.Who could I speak with to help me get the information that I need because I need to make a decision in the next two weeks before my annual payment to Stessa will be due. 

I tried using the biggerpockets rental calculator this morning and the cashflow was negative, but I may have been too conservative with the numbers.