We have in effect done a pocket veto as we have not responded, but I plan on responding indicating we need above LTR rates otherwise we can just switch to LTR increasing our revenue due to reduced expenses.  

@Mojgan AzarHouse hacking with a low down payment can help save money on living expenses and even make some extra cash.

Spend 2 years at a brokerage and you should qualify without the extra expense. 

Some of the main variables in my projection models include: expenses (broken down into various categories like personal expenses, capex, debt service, vacancy, etc.), income, cashflow, debt, DTI, equity, property appreciation, rent appreciation, mortgage paydown & amortization, rate of net worth growth, cost of living increases, hours worked per week, cash on hand, etc, etc. 

When I studied Econ in college, we used an average 3.1% inflation rate as an assumption.

They seem very expensive and I’m not sure they are a good fit for me.

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.

As a result, the state’s big utilities and other groups are proposing fixed charges between $30 to $70 per month, three to seven times the national average.

They shouldn't be the most expensive, but they shouldn't be the cheapest either.

Unfortunately if the previous owner also fights back during this process it could be very expensive (since a quiet action title is actually a lawsuit).