I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable). 

Keep your expenses as low as possible.

This growth is fueled by an influx of new residents, particularly from out-of-state buyers attracted by the area's affordability and lower property taxes.

You have to drug test and these are expensive.

Usually income will have to work at the fully amortized (principal + interest) rate. - Lower down payment programs. 

We have noticed that there are a lot more properties on the market and the prices are much lower than they used to be.  

Also, I live in FL and will not touch anything UNLESS I can get it at 25- 30% LOWER than the ask, even then IMO its overpriced.

I was wondering - if I move one of the properties to an LLC, will that lower my personal DTI to allow me to refinance the one that is still under my personal?

I have never heard of the title company taking payment from the actual credit card but I don't know everything :) The problem with the "cash advance" feature of the card is that this limit is generally capped at a much lower amount than the actual credit limit thus limiting your full potential to cash.

I also think as an owner you will select your tenants more thoroughly, complete work more quickly and at a lower cost.