Generally, you should be able to find 75% after the six-month seasoning mark for both these properties, and maybe a 70% Cash-Out if you do the 3-6 month seasoning window.Unfortunately, theres somewhat of a "glitch" in the DSCR qualification rules that give worse terms to those that are less leveraged and cashing out, than if you would have done max leverage on these with hard money or HELOC for example. 

I want this to be a thread hopefully of use to agents and buyers in this new world to figure out new pricing strategy’s so I would like to ask that this doesn’t devolve into a discussion about that facts of the case or if the ruling is fair etc.

(i) The term "Insured" also includes(A) successors to the Title of the Insured by operation of law as distinguished from purchase, including heirs,devisees, survivors, personal representatives, or next of kin;(B) successors to an Insured by dissolution, merger, consolidation, distribution, or reorganization;(C) successors to an Insured by its conversion to another kind of Entity;(D) a grantee of an Insured under a deed delivered without payment of actual valuable considerationconveying the Title(1) if the stock, shares, memberships, or other equity interests of the grantee are wholly-owned by thenamed Insured,(2) if the grantee wholly owns the named Insured,(3) if the grantee is wholly-owned by an affiliated Entity of the named Insured, provided the affiliatedEntity and the named Insured are both wholly-owned by the same person or Entity, or(4) if the grantee is a trustee or beneficiary of a trust created by a written instrument established by theInsured named in Schedule A for estate planning purposes.

Unfortunately, right now Rate Automation is only on a few thousand accounts but will be ruled out to all accounts here eventually.

The owner may reside in either the remaining portion of the structure or the newly created junior accessory dwelling unit.

My goal is to create a positive cash flow, Finding good market and deals.

General rule is that you may get some things like improved general software interfaces, more experienced professionals (some people get REALLY specialized in certain topics, it's crazy to see sometimes) Also, the option that if you do have something unexpected come up, they might have more staff capable of handling it so you wouldn't have to move around at all.

His rational is that the due on sale clause creates risk.Do you guys worry about the due on sale clause?

You might not be able to house hack all the way from Cali, hahah, but you can find off market deals here that are hitting the 1% rules and higher.

Given we are accountants we cannot self promote as its against BP rules.