The only downside of using a commercial line to try and match the AIO loan is that I have to manually move money into my line of credit(LOC) and sometimes ACH payments take 2-3 business days unless I wire it in and even that might be the very next day.I basically pay down my line with everything beyond my min reserves + savings.The advantage of the AIO is it automatically sweeps over your balance in your checking account (provided with the AIO loan) and pays down your loan with any idle cash each night at 12AM and calculates daily interest based on that reconciled balance.

.- **Run the Numbers**: Use the BiggerPockets calculators to see how different loan options will affect your cash flow and overall investment.If you have more questions or need further guidance, feel free to ask.

I wouldn't call that a true "DSCR Loan" - especially considering that a ground-up construction property won't have any cash flow so DSCR would be negative or 0 numerator if you'd try to calculate it

Much like alot of things in life it's all about taking action just have to make sure its calculated actions in this space.

@Jack LeeTo improve deal analysis skills, use BiggerPockets Calculators, YouTube channels, podcasts, books, online communities, Excel spreadsheets, and local networking events.

I am wondering what kind of costs to calculate in, what amenities to offer, and what the average vacancies are for this kind of rental. 

Pay attention to fees and how calculated and when paid.4. 

From my calculations it is similar to a 5% return IF rates do not increase.

I'm unsure of how it was calculated or if it may have been an assignment fee that was misinterpreted on their part but they were the seller's agent. 

Your cash flow calculation is missing vacancy, maintenance costs, and capital expenses.