EDUCATE YOURSELF - yes, it will take time, but will lead to a selection that better meets your expectations & avoids potentially costly surprises!

But I'm surprised they're just outright refusing and I wonder what the reason is?

Second position DSCR does exist but rates are even worse than HELOANs, I'd expect 11-13% right now.Getting a simple cash out refinance sounds like the simplest option, but if you can just get a large first position HELOC only that would be a pretty convenience deal.

And it's convenient for life if you use your personal bank account, you can still have one app for rentals and paying friends.-  Con's:  Nothing about the software per say, but about the landlord experience. 

I'm surprised Saugatuck set a cap. 

There is also PayPal for convenience (though potentially higher fees) and Atlantic Money for fixed-fee transfers.

Each time reported to local pd which is surprising only two blocks away.

EDUCATE YOURSELF - yes, it will take time, but will lead to a selection that better meets your expectations & avoids potentially costly surprises!

I was just surprised that when I asked to change the policy to rental, the first thing he asked was if there was a damage after the hurricane I think a few different things are in play here. 

Quote from @Angel Peng: Currently in contract to close on my first duplex but the Landlord insurance cost took me by surprise.