Honestly some of the best borrowers I have worked with (10+ flips in the past 3 years) do not even do 90% LTV.

The idea being in a hot rental market with rising values a sale in 10 years will net us a decent amount of money, even if we are only seeing a relatively small percent of total equity in the deal.Thoughts?

My company does over 30 DSCR loan transactions a month, so I definitely have a lot of experience with that program.Mid term rentals can be tough, but they can be done.LTR (long term rent) is easier for DSCR, that would be a traditional 1 year lease tenant.I'm very familiar with the OH state market, if you have properties in mind you want to purchase, they most likely will qualify for LTR so you can do a DSCR with 20% down. 

The MTR would make me an extra $4,800/year ($400/month).

I did provide yard maintenance at his request when I first took over the property. about 1 year ago. 

Or do I need to be paid separately since I will not be using my Real Estate License for the transaction? 

I noted the year-over-year increase in STR permits, the decrease in average nightly revenue, and the sentiment that economically-incentivized sellers would flood the market after this winter season (effectively increasing housing supply and decreasing prices).

I send tenants to collections because I get the comfort of knowing it sits on their credit report for many years and prevents them from getting loans or cheating another landlord.

They would grandfather in any existing homes that are licensed.  

They accepted terms for creative financing for 1 year allowing me time to improve rents and refinance with very little down payment.