Calculating the depreciation base, typically guided by a CPA, is the primary complexity.Except figuring out the depreciation base to use (what amount from the total acquisition cost goes for land and can’t be depreciated, and how much goes for the building/improvements to be used in the segregation and depreciation calculations, and even that should be an easy answer to figure out or get from your CPA), the rest is simple stuff your CPA will not know anyway (thus him sending you the “survey”) like, the sqft of the house, the length of the fence and if wood/iron/brick, how many ceiling fans in the house, how many cars garage, if carpet or tile in what room, etc.

I'm always wanting to demo other lead sources, tools as a process improvement effort which is why I'm currious what v5 delivers?

But several of them are improving fast.

Wondering  if I should reach out to local credit unions or maybe a mortgage broker?

Also curious if people are still listing a lower limit for credit score and whether that is legal and advisable as well.

As a Cap Rate is indicative of the risk involved in owning the property, you want to focus on doing things that make your investment less risky if a bank ever had to take over.You can make your investment less risky by doing some of the following things:- Convert all month-to-month tenants to annual leases- Implement strict minimum rental criteria- Add security cameras- Make large capital and preventative improvements (fix drainage issues, install water pressure regulators, replace old HVACs...you get the picture)- Essentially, prove with action that you are caring for the property on a long-term basisThe only way this is effective is if you document everything you are doing as well.

Rental tier renovations to the property through credit cards.

Have you checked his business credit? 

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.

So, have the mortgage note signed by the person whose credit I checked who is an agent (owner?)