I know these lines of credit are typically variable rate and interest only but when I am buying deals with 20-25% equity that are new construction and cashflow around $500/mo with this loan option, I feel like I have hedged against those risks fairly well.

I’ve already put down a $2,000 earnest deposit and paid for the inspection and appraisal.This event is unprecedented in the area, as the area is typically low in violence and considered very safe.

Financial/Investing/Real Estate YouTube channels typically make $6-8 per 1000 views. 

I have warned countless people that the "new", "Cheapest", and "shaking up the insurance market" carriers typically come into the market under priced, have a wave of claims, then they either jack up premiums to survive or fire their staff to keep heads above water.

Commercial Revenue Generating properties like office buildings, apartment buildings, retail centers, etc (banks call it "CRE" lending) are typically evaluated from their net operating income, not gross.

I am grateful that you shared this, because I do think a lot of these gurus, while generally having good intentions, are typically very naive and lack experience to truly teach anything.  

Checkout my YT video, it'll provide more color. 

There are more buyers for SF homes, but Multifamily properties typically cash flow better as you mentioned. 

DSCR loans typically require 25% down, and have higher interest rates and fees.

Typically people think FHA because it's what's thought of as the least amount down which is commonly the goal when we all get started.