Investment Info:Small multi-family (2-4 units) buy & hold investment.

Short answer is as little as possible.The long answer is it depends on the deal.Typically you end up in a subject 2 situation when the current owner has little or no equity in the property, the current advantage of subject 2 properties is that most mortgages are below current market rates.Keep in mind when acquiring a property subject 2, in most instances you are not notifying the current lender of the change in ownership, and most if not all mortgages have a due on sale clause, which is the lender's decision if they want to enforce it or not.I personally like the idea its a great way to get investment properties with low rate loans, that with most likely appreciate in the coming years.

Read Brandon Turner's Rental Property Investing Book and have been listening to the podcasts.mi

DSCR loan" is a term used in single family. 

Quote from @Robert Bell: As a private lender, we use reserve funds as a way to gage whether or not someone is financially ready to take on a real estate investment. 

Start by reading the Ultimate Real Estate Investing Guide: https://www.biggerpockets.com/guides/ultimate-real-estate-investing-guide/introduction2.

The area of which I am green in is real estate investing.

All, I consider myself a beginner in real estate investing, but savvy in business/finance.

Are you trying to get into a different investment?

That gives the agent a stronger offer and you have a greater chance of winning the home with a loan commitment versus a Pre-approval letter.As of this morning rates are down on all programs for Primary homes, Second/Vacation homes, and investment homes.