When setting up an account with a credit reporting agency, a landlord and property manager will submit a simple credit access application and supporting documentation that proves their need for access."

Rates are typically higher for DSCR vs conventional but you can offset that with the way you structure the loan - like adding a small prepayment penalty or increasing the DSCR ratio bracket for example.

Keep the rehab simple and easy! 

Yeah, when there is more to consider then the simple cash flow, Idaho is still a beautiful option.

One way you could use the HELOC would be to put cosmetic rehabs on your primary, increase the value and do a cash-out refinance.

What the program does is increase your experience exponentially by pointing out flaws in your analysis.  

Others may disagree on that but rents may also increase which will put me in a better position in the future.

Increase your income, reduce your expenses, save like a madman, educate yourself, and invest from a position of strength.1.

I have great cash flow in California and where I invest there is no 10% rent increase limitation.

It'll make landlords increase their minimum standards and become more picky with selecting tenants.