For insurance reasons, she can't hire employees (yet), so she runs it 100% by herself. 

This would allow you to put 3% down on FHA loan and rent out the others to offset, hopefully cover, your mortgage payment + taxes + insurance. 

Townhome cost about $250/mo (mortgage, tax, insurance,) less. 

Research rental comps in your target neighborhoods.Expense ratios: Repairs, vacancies, property taxes, insurance, property management fees, etc. can take a big chunk out of gross rents.

After we finished we thought, sure enough our insurance premium should go down since we added a ton of value and updated everything and turns out that it wasn´t the case if we wanted to have only one policy.

That include dog bite as well.Do I ask her to get a separate pet liability insurance or current renter insurance with 300k liability coverage mentioned above would suffice?

Hi Tanner,I was going to put down at least 20% to avoid mortgage insurance. 

These numbers should be determined using a combination of the historical financial data available, feedback from your property management company, your business plan, and the property characteristics.Generally, you can expect per unit numbers like this:Repairs & Maintenance: $200 – $500 per unitAdministrative: $150 – $350 per unitUnit Turnover: $200 – $300 per unitContract Services: $200 – $500 per unitUtilities: $800 – $1,200 per unitAdvertising $100 – $300 per unitPayroll $1,000 – $1,600 per unit (very market specific)Insurance: (very market specific)RE Taxes: (very county specific)Again, these are very general per unit numbers but they should help provide you with guidance. 

People end up abandoning lots all the time because of title issues, sinkholes, ground contamination, setback and other zoning problems, and a whole host of additional problems. 

As the title reads, I am looking for a DSCR lender with no seasoning requirement (if possible).