A couple of awesome class A paid of rentals will be a great investment and retirement strategy for most. 

Hi Dean - we had access to a DSCR product until a couple weeks ago - it's currently paused, per my conversation with one of the loan brokers I work with. 

Some owners are willing to miss out on thousands of dollars just for a chance at a couple extra hundred dollars.

If your goal is cash flow, then your best bet may be to live in it for 2 years, and then take that tax free gain (250k single person, 500k married) and buy elsewhere. 

You have a couple of choices.Invest elsewhere in the world.

The first couple is a no-brainer.The second group has too many people, increasing wear-and-tear on the home.

I am also surprised that a couple could have credit scores 100 points apart. 

If I own a property with a 1k mortgage per month and it stays empty (or I'm trying to evict) for a couple of months then I'll be ok.

Would definitely recommend reaching out to a couple RE attorneys to chat.

So if your using margin at let's say 12% interest rate, to do the mentioned S&P gaining at 8% or heck let's say 10%.... congratulations you just found a neat way to go a couple hundred thousand into debt.