You're operating under the assumption that none of your P2P borrowers default or are late on their payments.

They look and operate fine and the cost to replace is minimal.

On our higher end houses we put stackable in our primary walk in closet I did this in the home I built and live in although mine are stacked they are full size not a combo unit. 

Rough calculations on what I need to be looking for:90k deal (purchase and renovations to get max rent)20% down = 18k from me80% bank loan at 8%, 20 yr amortization = 72k-------------------------------------------------- Here's my DSCR calculation:Calculate Net Operating Income (NOI):Monthly rent: $125040% expense ratio (taxes, insurance, repairs, vacancy) = $480NOI: $1250 - $500 = $750Calculate Monthly Mortgage Payment:Loan Amount: $75,000Interest Rate: 8% per year (0.08/12 = 0.006667 monthly)Loan Term: 20 years (20 * 12 = 240 months)Monthly Payment ≈ $627.83Calculate DSCR:DSCR = NOI / Monthly Mortgage PaymentDSCR = $750 / $627.83DSCR ≈ 1.20Therefore, with a $75,000 mortgage at 8% interest over 20 years, the DSCR is approximately 1.20

District Court to operating a mortgage fraud and equity stripping scheme involving numerous New Hampshire properties.

I wanted to get in on the ground level with the hopes of growing with their brand new education company but quickly saw how they operate and realized that’s not what I wanted.

You can check the NMLS for licensing (some servicers will operate without being properly licensed in that state).  

Functionally, it operates as a 2-story home since the downstairs area has multiple windows in each room and plenty of natural light.

If you do decide to work with them, you could set up a clear partnership where they’re equity partners and you handle the management and operations.

I intentionally keep mine in a different county than I live in too, just in case they do notorious serious or something.I don't own many rentals these days, but if I did, id have one of the online pay services or set up an ACH on their paydays.