I think first off what kind of money is involved here..  1 acre prime commercial worth 500k or 1 acre of high AZ desert worth 10k..

Even in a perfect market with low interest rates and high resale numbers, and the perfect Contractors and Property Managers.....

It is not normal to see that high in one year but it does happen too often when they need money.  

The shorter the prepayment term has an impact on increasing the rate.4.

Here’s a quick break down.I can’t get approved for a loan because my DTI is about 5% too high with the property.

Hi @Adam Pervez New Jersey has very high taxes, with that comes very high rents. 

Worth noting that the impact of the SECURE Act on "Solo 401k plans" is being grossly misrepresented by a certain promoter (whose qualifications and experience do not include tax/401k compliance).

Another reason to raise rents if you go to sell the property it will be harder for a new investor to get a DSCR loan because the rental income is not high enough for the purchase price. 

Unless you have a very high income it is pretty risky to invest in additional properties when your portfolio currently takes money out of your pocket.

Best case on a DSCR is usually high 6s/low 7s and up right now depending on the scenario.