For example, we mostly do student rentals in Eugene, OR and the banks lend on the appraised value but take the total rent (which is by the room) to account for DSCR.If you're asking about a DSCR lender who lends on income and doesn't look at appraised value, I can't help you there unfortunately. 

For me the 'key' was finding a mentor willing to push me and help me figure out what, when and how to do it.

Hi everyone, I hope you can help me.

Thank you for any help and guidance.

Also, the incredibly low interest rates and low yearly property taxes (depending on your location) help a bit on the cash flow end.From my understanding, opportunities exist in different cities in Spain, especially when considering distressed properties outside of inflated metropolitan areas (not to mention the alternative ways of acquiring property like judicial auctions, cash purchases, etc.). 

Did I mention getting an attorney to help you through the due-dilligence - it's money well spent !

If you can capitalize on those early returns and recycle into another property with similar early trajectory, you will end with much more money over the same period of time.Of course, being able to harvest those gains and recycle in a tax deferred manner helps even more, so you may want to seek out syndicators that are able to offer 1031 exchanges on exit, which is definitely possible.

This will help verify their income.- If still skeptical, ask for personal references from employers, community leaders, or other respected individuals who can vouch for their character and reliability.By using these methods, you can make a more informed decision about renting to this couple, giving them a fair evaluation while also protecting your interests as a landlord.

Just posting this in case my beginner’s case study might help others and also to get any feedback.  

Since you're already a real estate agent, you have a great foundation to build on, especially with your market knowledge in Roseburg, Oregon.Here are a few tips to help you get started:Leverage Your Local Expertise: As a local agent, you're already familiar with the Roseburg market.