All the best in your investment journey! 

He ended up having to pay back all the extra money to the tenants AND pay back all the money S8 paid for rent since the beginning of their tenancy. 

That being said, most originators are hit with a clawback penalty if you payoff your loan within 6-9 months, meaning that the originator has to repay all commissions and fees to the buyer of the loan if you payoff the loan within that period.

I am currently working on a website so that the real motivated sellers contact me, so i dont have to spend as much time contacting property owners who aren't motivated at all. 

Credit scores are made up of many factors, one is the utilization of an account vs its credit limit.

Quote from @Devin James: The E-Myth is a classic!

The 3 main banks here are BPPR, Oriental & First Bank.  

What caused the issues is that I went into a deal with a partner and he corrupted the deal, my first new construction build. 

So the main advantage of a DSCR in this case is just the fixed rate? 

@Cheri Banet, the amount you owe has nothing to do with the taxes you will pay.