I never really know ahead of time which lender might be open to that before putting the full credit package in front of them, and many of them 'in theory' offer it, it's just a matter of exposing the potential transaction to enough credit unions and banks that a few "swipe left," a few "swipe right," and looking at the terms offered by those that swiped right.

I couldn't map the information no matter how hard I tried to click and change values. 

Husband is also a licensed building contractor and wife is a realtor (if it matters).We are trying to determine if it makes the most sense to put our first property that we are purchasing together into an LLC or not?

Why a seller is selling matters.

If they don't know where they are going, no matter what else you talk about, you aren't buying that house unless you can solve the problem of where they are going.The most colossal mistake in all off-market acquisition is that people use the same dumb scripts for all sellers and they almost always talk about a cash offer.

While the circumstances may seem entertaining, the reality is this is not a laughing matter.

But if you're going after DSCR loans, it doesn't matter if you go the traditional lender route or not as long as the terms work for you. 

Until the business has enough assets to matter, it really doesn't matter all that much.

So most investors just throw in the same expense factors no matter the age of the property.

They are also looking for code issues and other hazards which hopefully you are compliant with no matter what.