When we lend, we don't have a pre-payment penalty as long as the loan is a certain size.This lower interest rate is what raised a red flag.   

So you either have to work on lowering your operating costs or accepting lower returns. 

I will be hosting a mastermind group there for a week in April with a group of 12-15 high-level investors.  

The formula for calculating DSCR is straightforward:DSCR=NetOperatingIncome(NOI)/TotalDebtServiceNet Operating Income (NOI) represents the property's income after operating expenses.Total Debt Service includes all debt obligations, such as loan payments, property taxes, and insurance.A DSCR ratio above 1 indicates that the property's income is sufficient to cover its debt obligations, while a ratio below 1 suggests insufficient cash flow to cover debt payments.Lenders usually have specific DSCR requirements, with higher ratios indicating lower risk for the lender.

Jim,   It seems to me since this site is really working on monetizing itself as it should, as it relates to self promotion seems to me they could have a different level of membership that would allow for more freedom on advertisement on the open forum .. then just putting your name and such on your sig line.

The maximum rent increases for Oregon are the lower of: 10% or 7%+CPI per year. 

You mentioned airbnb and short term rentals. those can be (under the right circumstances) very tax-favorable and have you move towards your FI journey even faster with a lower tax bill.

That would have taken the issue to a whole new level.

Ok, I know there are instances where the ARM would be higher...but about 85% of the time the ARM is slightly lower.  

@Josh Stamper the one lease I did with them was $4,000 for a few months and if they wanted to stay longer (they ended up staying many more months), it went to $4,200, not lower...