They're all going to use NOI/PITI, but you'll experience a range of DSCR requirements which will directly affect your max LTV and you'll also experience a range of rates.

I have each unit in the building with a unique rent rate, so even if the tenant does not have the teller enter a note with the deposit (they often do), I still know who the rent payment is from based on the amount. 

Assume for the sake of this conversation that all of my other finances are in order.

Later in the conversation, you ask the mirror question about your average monthly occupancy.

Folks get caught up on losing their interest rate.

I think most investors are feeling the crunch of low inventory, higher prices, and high interest rates.

Obviously you want to pay attention to your interest rates, cost of appraisals, and fees for refinancing.

Again, the issues here would be if those properties were structured incorrectly or filed incorrectly....but I think it would certainly be worth having a conversation with a different lender about it.

They will hit you on the interest rate and LTV.

So your success rate is 0.1%.