Thank you so much!!!

You'll need to work with an agent who specializes or has some skill in this and who understands investing.

Often times you can (if you wish) adjust other aspects to compensate for a needed change.

Equity in the DealOffering equity instead of—or in addition to—interest is another popular structure, especially if you need flexibility on cash flow.

My property manager then sent another technician who said the gutters need to be cleaned and recommended installing leaf guards around the entire duplex, along with larger downspouts and overflow guards, for a total of $3,013.

Thank you,Aamna Hi Aamna - MTRs are certainly a newer thing and most DSCR Lenders (and pretty much all "conventional" or bank lenders) will be slow to adapt, however the more forward thinking DSCR loan providers have embraced it.I published an article here on BP just last year on the "next developments coming in 2024 for DSCR Loans" and MTR qualification was one of the main ones! 

If anyone has successfully done this in CFL, please give as much detail about how you did it and how it went.

Recently, PM suddenly told me that this property needs "lead testing".My PM is not aware of this I already have 2-year lead certificate from the previous onwer AND assigned an inspector for lead inspection for me.

Is it an emergency that needs to be replaced?

You need to do a needs analysis of the local area.