Roads, water/sewer, city services, heck even just the planning for such is not a simplistic thing for all. 

There might be some hoops to get through with conventional financing with your income situation, but if that doesn't work, you could use a debt service loan.

We don't allow any "deal-making" in the forums, which includes advertising your services or properties, looking for partners, etc.

@Luke H.If the buyer is living in the property now it’s a consumer loan compared to a loan to an investor and will kick in a lot more regulationsYou can’t do a balloon less than 5 years, need to have it serviced by a licensed servicer, will have to go by interest rate usury laws, collect escrow…..I would not loan on this property to an owner occupant

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator – so, they often select the first PMC they call or that calls them back!

I suggest using a service like Mayistay.

Like most service industries, there is nothing more important than the human touch as that is what people relate to and feel comfortable with.

There's no strings attached thereafter or need to agree to ongoing PM services.

How to calculate DSCR is NOI divided by Annual Debt Service. 

Maybe it has more to do with the software than the company (although their customer service sucks), in which case you might run into the same issues with other emulators, but it has just been constant headaches.