There is a range of DSCR lender underwriting policies for "1st time investors" - some don't allow it, some do with no restrictions, and some in the middle (typically cut max LTV by 5% or so and restrict against anything over 4 units)Also - check out these BiggerPockets articles for a ton of info about DSCR loans:DSCR Loans: What Are They And How To Get The Best Termshttps://www.biggerpockets.com/...DSCR Loans: How To Use Pro Strategies To Save More And Make Morehttps://www.biggerpockets.com/...Multifamily DSCR Loans: A New High-Impact Loan Option For Real Estate Investors?

We have cable or YouTube TV.Can't be cheap on this.We even advertise if someone else isn't offering cable channels what else are they cutting corners on?

There is no short cut. 

"Not satisfied," isn't going to cut it.

It's never worth it to cut corners on permitting because it will cost you far more in the long run.

In response, I had a plumber and a water restoration company come to assess the situation.The restoration company cut into the drywall, and the plumber thoroughly inspected all the pipes, performed a leak test, and conducted a pressure test.

@Jason Stofer if you don't have a support structure to tap into... the unhappy answer is that there is no short cut. 

If you want flexibility and liquidity, Option 2 might edge out.

Microsoft Excel, and most budget or free online bookkeeping isn't going to cut it in this situation.For the rental properties you own directly, I often tell clients and prospects that a P&L in Microsoft Excel is just fine and a balance sheet is not necessary for tax purposes. 

I guess for me the dividing line is does it damage the function or cause a safety hazard if I leave it on the tenant.