We all use private investors or NON/QM investors for DSCR but some again charge points and some do not because they UW the file (Mini-C).Most Bankers typically offer rate closer to PAR or less margin built into the rate.

I would echo @Brandon Croucier - the secondary market for DSCR's is super aggressive and rates typically reflect that.

I wanted your typical 3 bedroom house (not necessarily 2 bath) which cash flows.

But the value here isn’t in quick gains—it’s in long-term, passive income.Here’s what investors typically gain:✅ Cash flow – Rent covers expenses and (ideally) leaves profit every month.✅ Appreciation – Over time, the property value increases, adding to your wealth.✅ Tax benefits – Depreciation, mortgage interest deductions, and write-offs help offset costs.✅ Leverage – Financing lets you acquire assets without tying up all your capital.Is It Worth It?

Some carriers don't ask but you should make sure that you're not indicating (in the policy application that is typically e-signed) that you aren't using your property for student housing if you are.  

@Venka Pulla It’s frustrating when a property manager isn’t meeting expectations, but transitioning to a new property manager is typically straightforward if you follow a few steps:Review the Management Agreement: Carefully read your current Property Management Agreement (PMA) to understand the termination process, including any required notice period.

Typically, the same applies to LLCs where you and your spouse are sole members (single or multiple member LLC).

If the bank prices their debt based on the fed rate you typically see WSJ Prime + 1%.

**Navigating Inspections**: Section 8 inspections are stricter than typical tenant move-in inspections, and that can be a hurdle.

What expenses do tenants typically pay for?