Hi Amber,I would suggest you determine what your goals are (how quickly you want to grow, are you looking for cashflow, etc) and other returns you are looking for.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Someone that doesn't have $500-$1000 like so many common EMD amounts, I'm not sure they would value or care much about lenders money. 

My goal is to buy my first property when I'm 19 that I'm going to house hack. 

Which is interesting, I own two other houses on septic systems and have never received any notices to inspect.From the link that Charles posted:https://doh.wa.gov/community-and-environment/wastewater-management/septic-system/caring-your-system#:~:text=If%20your%20system%20is%20only,a%20more%20stringent%20inspection%20requirement.If your system is only a septic tank and drainfield, commonly called a gravity system, you need to inspect it at least once every three years.

As you get bigger, there might be better deals out there.This seems to have most of the commonly used features. 

I have seen referral offerings from PM companies ranging from $500 to half of first month's rent to full first month's rent going to the agent for referring a client.PM isn't as common within my niche of small multifamily (2-4 unit) properties in New York but this is what I've seen.A quick google search shows that $250 is a common referral fee.Curious to see what other agents across BP are seeing...Hope this helps!

Uses the common rents on the 1007 rent schedule of the appraisal to approve based on rents.As long as you can show a .85% DSCR or above on rents to PITI your good to go on the approval.  

These devices have courses, navigation, sensors, alerts, notifications, and other useful metrics for achieving personal goals.

I think it really depends on your goals.