Which is still possible to get a negative DSCR loan, but the rates go up a bit for the associated risk!

Hello all, I just wanted to share with you a piece I wrote about BTR trend in Sunbelt states...would love to hear your thoughts about it.The Sunbelt states of the United States are currently experiencing a housing conundrum, a cocktail of high interest rates (approaching 7%) and dwindling housing supply that's reshaping the real estate landscape.

It should be cheap to split the parcel assuming the house borders a street, still relatively cheap if you have to grant street access. 

The house is particularly appealing to me due to the low mortgage rate that he got in 2020.My question is whether I should buy his property "subject to" or add myself to the mortgage/deed.

For travel medical professionals I will accept a copy of their fully executed contract in lieu of pay stubs because their prior pay stubs may be totally different than their current contracted rate. 

I am simply asking to include something like, "unit has brought in rents well above market rate year over year" or "unit is cash flow positive". 

Money is cheap and a lot of people are advocating a lot of leverage. 

Orlando is a tough market, I think it would be very difficult to show any return at all right now with the high rates.

Unit A is about 100 years old and Unit B is almost completely new.Pros:-The duplex is in a very desirable neighborhood with home value appreciation year over year at about 50+%-Rent is also in high demand within this area-Cash flows well even with high interest rates and increasing property taxes-Home is price below average cost per sq ft-The house has been renovated and some parts of it has been remodeledCons:-All issues are with Unit A, the 100 year old unit.

In April, shopped around a bit with a different agency, but they couldn’t find a cheaper rate.