Hey Bp,I have an adjustable rate heloc that started out with a super low interest rate when we first got it.

Then Covid hit and rates dropped.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

On the other hand, sometimes it irks me when I book a 5 star rated place and it's disgusting inside and the beds are awful.

Renting the entire property comes at a flat rate of $1500.We've received interest from a female nurse specifically for the master bedroom, but she prefers not to share the space with a male tenant.

You could probably just do a long term loan instead if the repairs are not heavy with a better rate and fees. 

I have each unit in the building with a unique rent rate, so even if the tenant does not have the teller enter a note with the deposit (they often do), I still know who the rent payment is from based on the amount. 

I've been with an insurance company in CT, since I started my rental portfolio, but am looking for other options as it seems their rates have been going up and up. 

They're all going to use NOI/PITI, but you'll experience a range of DSCR requirements which will directly affect your max LTV and you'll also experience a range of rates.

However, despite several months of searching, I'm struggling to find properties that break even, especially with current interest rates.