Some of our borrowers are focusing on 4 bed 2 bath section 8 to push those numbers even higher.I pay close attention to 4-bedroom homes in Memphis for S-8 clients 

This can be very expensive and is usually the worst choice because you can't justify the cost.2.

This is probably why you want to bring equity back into your US business and any other investor might make the same choice as you.I brought up the challenges to come up with the solution, which was my last paragraph.

But other times, it could be a good way to start a conversation with borrowers that really don't have a clue what is a "decent" rate on a DSCR loan.

Or just borrow from a friend. 

I've borrowed this strategy from my clients. 

Artwork is often personal choice, but you definitely need some stuff there.

Equity pay down is ~$200/month for each $100k borrowed depending on rate you get.  

Banks, particularly smaller banks who provide real estate loans are increasingly focused on their borrowers maintaining depository relationships.

I than let them know my top choices for PM/TP provider in that specific market, not just my own but whoever I see as current best, and what there rates are.