These could include any legal, licensing, office, and even medical expenses.

cheers,john If your properties are cash flowing they should NOT negatively effect your debt to income ratio. 

definitely look into private money debt funds then 

After completing an online form and following up with all of the questions and correspondence that was sent my way (including sending my proof of cash funds, account statements, etc), these folks let me know they were not interested in working with me. 

We go so far as to include lawn and landscaping care in the rent, non optional, because tenants suck at cutting grass and maintaining the exterior.

Hey Doug, I am a realtor in ATL and invest myself and currently have 10+ units in Atlanta.When it comes to investing in real estate, cash on cash return is an important metric to consider.Multifamily properties, including duplexes, can be competitive in the Atlanta area.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

- How many personal use days (sometimes including family or other discounted renters) do you plan to have? 

Almost everyone here on BP will tell you that they wish they had started earlier, myself included.4.

Double-check that it's legal in your area but if it is, it's an excellent one to include in your subjects/clauses.