The issue now is that my accountant says I can't use any of those expenses he has the loan on because I wasn't legally named on mortgage or title.

I get paid nothing for it, the brokerage get's their split from the agent I helped and I get diddly-squat.

Just like residential, if you don't want the real estate agents getting paid out on "your" deal, then it needs to be YOUR deal.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

The free plan works just as well as the paid, if you don't mind it taking a few days for rent to get deposited. 

You might wish to adjust how rent is paid and received.

My goal is to save on my living expenses and pay less than I am renting right now (my fiance and I pay $1,450 and split it). 

She paid in full Wednesday but asked me if I would wait to cash the check for a couple days. 

Account for repairs, vacancies, property management, and capital expense.

If you accept, the entity that you are requesting information from has 30 days to comply and fulfill your request from the date all monies are paid and you have answered any/all questions they have about your request.If they deny your request, you are more than welcome to submit a modified request.