@Sebastian Santiago, may I ask if you're using the free version or the premium version?

All to say this version of house hacking has worked for us four times in a row now and in 3 years we have 4 properties (currently) one in a location we thought we never could afford.

With DSCR loans the best you'll find is 85% of purchase but the rates are so much higher than an 80% that you'll likely be going with 20% down and that program will be based off FICO score and the cash flow of the property.

This will hurt the tenant's credit score, it will warn future landlords when they run a credit check, and it will prevent the tenant from qualifying for a personal loan, home loan, etc.

In our opinion, Class C tenants have FICO scores from 560 to 620 - where their chance of default/nonpayment is 15-22%.

In PA because its is so $ss backward and tough to do I would think if you put the time in you probably score some decent deals.. but holy cow.. there are just easier places to work than there. 

.- Privvy is easier for seeing investor activity in the area and seeing the before/after of flips (how much they bought and sold it for)As an investor, I presume that your versions don't give you access to MLS sale price data? 

On a max LTV what is the typical DTI and required credit score?

We may have not built that perfect version yet, but it's only through our execution and learning experiences like these that allow us to get one step closer.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.