Obviously, the funds and syndication world has its own SEC exemptions, and you can invest all day in Reg A offerings or 506(b) offerings.  

There are many other ways to qualify besides DSCR, like bank statement averages or even P&L statements that can offer lower down payments..check in with @Joseph Chiofalo he's a 20+ year mortgage colleague and can help with structuring and options.

I always suggest to do the math backwards . see what the rents are and how much of a spread youd prefer to make over the mortgage payment and offer accordingly .

Probably not.When I have offers due on my listings at 12 noon on a Tuesday, and Im calling all the agents who submitted offers to negotiate those contracts.....and the part time guy who is at his day job doesnt answer...what do you think happens to their offer?

Household Composition: 77008 shows balanced demand for both family-oriented housing and non-family units, promoting investments in single-family homes and high-quality apartments. 77063 indicates higher demand for rental units and smaller homes, focusing on apartments and affordable housing options.Despite higher entry costs and a lower percentage of renter-occupied units, 77008 appears to offer better prospects for appreciation and lower vacancy rates, making it a more suitable choice for investment.Greater Heights OverviewThe Greater Heights area (77008), often referred to as "The Heights," is renowned for its prime location offering a blend of amenities, top-rated schools, and abundant job opportunities.

Everyone walking around is made out of glass.

With quicker transactions and less market saturation than traditional real estate, this niche offers unique growth opportunities.

Seeking partners who possess a keen understanding of local real estate dynamics and can offer valuable insights into promising investment opportunities.

Purchase price: $115,000 Cash invested: $35,000 Sale price: $240,000 Move in ready, fully renovated townhouse, 2 bedrooms with 2 1/2 bathrooms and ample closet space including walk-in closets in each master bedroom.

I'm in Minnesota and Farmer's Insurance offers pontoon coverage for a rental.