If you are using a DSCR lender that is asking for a 1003, that is a red flag to go elsewhere for a better experience and usually better terms.Experienced brokers know where to go for the best overall client experience as well as simplest guidelines so get the deal done quickly and without trivial conditions imposed by the many wholesale lenders that specialize in agency loans that want to offer DSCR just to offer it. 

If this is an investment property that's leased and performing, DSCR cashout is probably the simplest path. 

Simplest explanation is if something happens (eg a fire), your insurance isn't going to cover any of their belongings or temporary accommodation. 

Which at it's simplest basic form is YOU, the landlord, are actively paying the bank so you can own the property, not the bank.

All done through govdeals.com At this point the easiest and simplest and least costly thing to do is to just go to your local attonrey that does real estate closing and Pay for a title commitment/  We call them preliminary title reports on the left coast.. get the report and read it.. usually cost 200 to 400 bucks.. we get them for free from our title companies based on our volume of orders we send them..

I know there’s many methods but I think this is the simplest one.

This was the simplest way I knew how to explain to an everyday person around the campfire when we 'retired'.

Most people will not do just the simplest research, the US builds just under 1.5 Million Housing units (SF, MF and Apartment) so she wants to drive this down to 750,000 + -  per year, does not look like great progress to me. 

It's cause people push where the simplest dollar in front of them shows.

The simplest products will offer automatic sweep, my previous institution didn't offer sweep but did offer overdraft from the HELOC so I didn't have to manage account transfers.