It likely goes back to the source of the funds they access.- If they own a bunch of homes and are lending from their HELOC...they don't want to be called on a bunch of those if price values plummet- If they borrow from another lender at a lower rate (even the 0% fed rate) with collateral tied to other assets...say the stock market...that's taken a hit, so they can borrow less. - If they have actual private lenders...which they claim they all do, but you'd be surprised how many don't...their private lenders may be going to cash and pulling their moneyYes, they need to lend money to stay in business...but if they themselves are getting squeezed, it'll come back to us investors 

I would NOT do a blanket loan today given so many DSCR lending sources are at even under 6% one loan on one house. 

As I'm finishing up #abcsofrealestateinvesting by Ken McElroy I'm on pg. 144 #maintenance Goes on to say if you are a property manager and you will have to source and negotiate your own providers for services like #plumbers #electricians Now as I look on how I handle it as my own #propertymanager I seek someone who has customer service and also look at if they offer #militarydiscount-It's a good thing I'm a #realtor during this #coronavirus as I contacted both a #garagedoor installer and #roofer ( #allseasonsroofing ) and they said they have been slammed with so much work.

I do not plan on this becoming my primary source of income until then.

It's possible that you don't qualify for a residential loan on an investment property, but I would want a verifiable answer from a trusted source before making any decision.  

If someone gives you a great source it will be an absolute miracle

It being the only heat source in the home at that time.

As long as you have another fuel source, go with that.

@Joe M.The education from BP and most other reputable sources always taught to keep reserves.  

That should give you the market, use multiple sources.