The appraisal district shortly thereafter corrected the tax allotment “anomaly” between the two lots, but the investor never made a tax payment and eventually lost the lot to a tax foreclosure.  

I really don't have the $23k down payment I'd need for a DSCR, and Texas wont let me HELOC the equity out of my other rentals. 

If it doesn't, can you still make the payments?  

Tenants in lower Classes will have lower credit scores, which means higher chance of defaulting on their lease payments.

Most mortgage companies will not call loan due if payments are current but you do run that risk and need to be prepared to payoff or refi at a moments notice.

To qualify for a loan, focus on having a credit score of at least 620 (or 580 for FHA loans), keeping your total monthly debt under 43% of your income, and saving enough for a down payment and closing costs—about 5-10% of the home's price in total.

@Tonya EnglishWithout a clear understanding of what this company does (or more accurately, does not do), the payment seems excessive compared to other services in the market."

@Andrew Lanoie I apologize for my remark.But our investment is 40 times the monthly payment.

Try to put a bigger down payment in than you might need to give yourself some breathing room.2.

Hi I posted in the past about this tenant, but anyway no payment for January gave 14 day pay or quit in mid January, she said she left but left some of her stuff, her husband called me (they are getting divorced), said he has alot of stuff in basement, boy he wasn't kidding place is filled w garbage and stuff worth money all their personal stuff, what do i do?