Personally, what I've been doing is simply adding up these individual expenses, and then come tax time or whatever, simply divide it among the number of properties that I have, and then add that number to the specific unit in question's maintenance/repair expenses.

Your draft person should know about this, but make sure you check this.

I personal would only explore re-financing with other lenders (having conversations- getting to know what they offer).

If so, you can get a DSCR loan without worrying about personal income.

It just depends on your personal situation and overall investment goals. 

I, personally, prefer not to be cash flow negative assuming 20% down on a deal.

The person then gets called and qualed and so it begins.I am reasonably tech savvy but not as much in this realm (not yet I guess) and nobody end to end owns the process.  

Used personal funds for literally everything.

However, I personally go 1 step further as many people have outsized debt obligations. relative to their income.

Both hard money and heloc's are useful products...