Additionally, there are pockets where long-term rental returns are also amazing and can cash flow great, you just need to know where to invest.  

So, you are building wealth through equity as well as your additional cash flow.

@Joseph SheahanI can speak to the refinance portion: As long as a guarantor with good credit has at least 25% ownership refinancing should be an issue.

Could add it to your list of suggestions to clients :)

Having to add it later would prove even more costly. 

Here are some differences between the two to consider: HELOC: It's a flexible, revolving line of credit, allowing you to borrow as needed and pay interest only on the amount you use. 

Let's goo.No DTI calc on a DSCR :) also, you may want to consider refinancing your other investment properties into DSCR loans or a portfolio under an LLC to remove them from your personal credit…that should help your DTI/utilization/credit scores.

In addition to that I love accounting and tax and love helping people and pointing them in the right direction even if our model isn't a fit for them hit me up any time! 

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.

If they do handle an unrepresented buyer, no other agent involved, the listing agent will likely have the extra charge in their listing agreement already to cover the additional work and risk.