My wife and I are over a decade now collect every payment of rent, never had a missed payment, never had an eviction. 

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.

Considering we haven't locked down a market yet (debating between Shenandoah or Blue Ridge) would it make more sense to put a set amount in an account for the down payment or bring them a deal first?

As an individual landlord, especially one managing remotely, it might be challenging to secure similar terms.Payment Trust: Vendors may also be hesitant to extend credit or prioritize someone they are unfamiliar with, particularly when the owner is based internationally and payment assurances are less certain.Real-Time Issues: Handling urgent maintenance or unexpected issues can be cumbersome without a local presence.

I was able to cover my mortgage payment, cash flow a few extra dollars.I sold my six rental properties in 2012 and moves to Delaware.

Nothing ever came and he has been demanding payment.

We put down large down payments and keep a beefy emergency fund. 

You would need to agree on a payment schedule.

Unfortunately our new payment provider does not allow for holds, so we offer damage waivers. 

-Carlos One thing to know, when you do a portfolio loan (cross collateralization), if you run into a financial downturn in the future and can't make a couple of payments, sometimes the lender can force the entire portfolio into foreclosure.