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Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

Of course the worst case is actually getting lawyers involved and I wouldn't go that route I just wanted to make the basic contract law argument about the PoA's limitation. 

Personally I have not had much luck with seller financing when there are agents involved - most don’t understand it and think it just makes the deal more complicated.Did you check with your bank to see if they will mind you having a second loan on the property?

However, make sure to check the program’s guidelines and requirements—sometimes there’s added paperwork or inspections involved.

I’m interested in getting involved in the program. thanks,jason  

Inflation will cause rent to go up and if your debt against the property is based on fix rate, your odds will only get better.

It is pretty odd and frustrating problem you have.

I've had success simply informing the tenant that I plan to involve a collections agency as a next step if they don't pay what they owe.

The local branch manager got involved, couldn't understand what I was explaining either, didn't want to admit it, and got defensive and shut down when I tried having my attorney explain it to her in a different way.