Rental income is subject to tax, but it is also possible to deduct many costs related to owning and maintaining rental property, including property management fees, repairs, and mortgage interest payments.Additionally, for those investors holding properties in Germany for the long-term, the country's capital gains tax law is attractive.

I have mlo in Oregon and it’s the division of consumer finance and corporate securities. ca probably has a version of thathowever I did all my loans with my ca brokers license  

Assume break even cash flow while rented which includes a generous $600/mo repair fund. 

Amenities include, laundry, assigned parking, and wifi available for each unit.

DTI ratios are generally used in consumer/residential (aka primary) mortgages when the property is in your personal name.

I work with new investors all the time and have to get past newbie investor puberty which include Shiny Object Syndrome and  the mindset that this business is Quick Money with little to no effort (thanks to Social Media). 

Thanks for asking and including us. 

You will need probably 20% of total cost (Not including financing costs. 80% LTC) as the down payment.

Such strategic zoning decisions bolster the provision of affordable living spaces, invigorating local economies by amplifying the consumer base to support nearby businesses.

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).