You want the rents to be equal to or greater than the PITI(A).4.

However, precise execution according to IRS rules and clear documentation in the divorce decree are crucial to ensure it qualifies for tax-free treatment.

A warning however is that all HMLs are not created equal and if you find one that wants money upfront and promised to fund any deal, hang up and keep looking . . . you will see a number of newbies get scammed in this area.Good luck and feel free to reach out with any questions

Given the substantial prepayment penalty and your current low DSCR, it’s crucial to evaluate how long you plan to keep the property and whether the savings from refinancing will surpass the cost of the penalty and associated fees.

A 30-year fixed rate mortgage is currently sits around 6.15% interest:All else being equal, lower mortgage rates reduce the cost of ownership and, thereby, allow more people to afford to buy.

All you said is true, but, this "hard market" and in some ways it is really hard, lends some opportunity that is of equal force. 

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

But I also know that some people really could use the help and leverage my own experiences to save themselves time, which equals money. 

Not all are created equally obviously, but make sure you are on Airbnb/VRBO/Booking.com/Google/ and should have a direct link too.

I totally agree that understanding the local market and buyer demographics is crucial, especially when targeting specific types of buyers.