In my first two years of management, she earned over $20,000 net profit, the property was in better condition,  she could quit her full-time job, and her health significantly improved because she was no longer stressed.

It would involve putting an external staircase on the side of the house and making the second bathroom into a full bath.

Quit comparing yourself. 

These items will vary from DSCR Lender to DSCR Lender and can also be determined by things like your credit score, property type and its DSCR ratio, etc.  3% origination cost is very high for DSCR as well unless you are essentially "buying down" the interest rate quite a bit (trading fees for a much lower rate over the life of the loan)I have also been told by multiple people that I should create an LLC or Trust.

From Excel, I originally switched to QBO, but I had to do quite a bit of finagling to build it properly for my use as a REI.

I don’t have any debt besides my mortgage fortunately or unfortunately however you look at it, and I’m not opposed to using my extra funds to buy down my mortgage but I’m afraid it won’t lower my DTI quite enough.

I quit Reddit because of downvotes.

Not quite.

It's certainly enough data to point you in the right direction.Otherwise, here's an article I published on the fastest growing economies in the nation, and many of these places are quite affordable and good places to start (Cincinnati, Columbus, Oklahoma City, etc).13 Real Estate Hot Spots You Won’t Want to Miss Next YearI hope my perspective helped.

To make a long story short, i am told there are quite a few complexities and fees that make it only practical at scale.