I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

Does anyone know if this individual needs to be a W2 or can I hire on a 1099?

In smaller towns, this is usually a specific individual within the Planning Department. 

I’m buying to improve the property, listing, service, etc so i do it right away.

@Dennis Bragg, how did you factor improvements and market appreciation into the buy-back price?

We would like to have more individuals that we deal with directly. 

https://efraudprevention.net/embed/cody/Equity-stripping_scams.htmlEquity-stripping scamsEquity stripping is a type of fraud in which a scammer targets individuals who own a valuable asset, such as a home, and convinces them to take out a loan using the asset as collateral.

Whether you've lent money for an individual project, or you've invested in some sort of fund / group, I'd like to hear about your experience! 

NET 30), etc. and you can use this project-specific agreement as an addendum for individual jobs.Final Tip: Treat the contract as a transparent, collaborative tool to set expectations, not as a "gotcha" document.

The more rational you are, the better the outcome.Practice and LearnLike any skill, negotiation improves with practice.