Hey @Mohammad Islam, I'm an investor in Austin, TX and also provide lending services, would love to connect.

The other options are in the creative financing space, either seller financing, or sub2, these options also can provide a sustainable cash flow model, because you are getting below market terms. 

A simple explanation is DSCR is to finance the property based on the income or projected income of the property and a HELOC is like a credit card that will be given to you base of the equity of the house you are putting as collateral. 2 diffrent products consulting with a good mortgage broker that will provide you the information depending on your needs.

They provide educational content and practical advice to prepare for your investment in a 4-plex.

Even if this information has been provided in their initial inquiry, I'll ask it again.

They don't provide tax documents on time, which cause significant headaches. they don't provide proof of cost mitigation studies unless you threaten to sue.I am a seasoned investor and I got duped in their flowery talk.

I dont know how much value I could provide you with on the Real Estate side of things, but if you had any questions about financing or wanted to know how that side works id be happy to give you some insight! 

As you can see below, the information provided by Rentometer is nowhere near the actual rent.To show what a difference the broad range of Rentometer predictions has on return calculations, I used Rentometer to estimate the rent for another property.

I am not offering it to everyone but if you IM me I will provide it to you (I did not create it so the reason is not that it is privilege, I just do not desire a dozen requests)..good luck

Ultimately, separate renter's insurance provides better protection, minimizing confusion and ensuring proper coverage for unforeseen circumstances, benefiting both landlords and tenants.