@Adriana Collado Hudak - As the comments illustrate, there is no "one size fits all" answer to this question. 

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 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

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 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

The diagram below illustrates this cause-and-effect relationship (click to enlarge).Also, the goal of real estate investing is not to own property.

Jesus only mentioned tithing to illustrate how hypocritical the Pharisees were but you can bet most preachers won’t preach it that  way .just like when you hear of the parable of the “ widows mite” preachers are quick to say it’s an example how we should do sacrificial giving down to the penny  like the old widow did when it was actually when understood in context as another example of Christ calling out the Pharisees and how they extort people !   

I'm not sure where you got your info from but this is an illustration of the fact that there's a huge amount of misinformation when it comes to investing overseas, here and elsewhere so be careful who you listen to.

My sister in law is publishing books for children telling illustrated stories based in Hawaii.

I use this to illustrate or emphasize that leverage and associated risk is often times more tied to the collateral than your personal income/liquidity. 

Here’s a story that illustrates this point perfectly.A few years ago, Dylan, one of our team members, was at home on Christmas morning with his family when the phone rang.

@Patrick Goswitz I think @Bruce Woodruff illustrates my point much better