My understanding is that DSCR appraisals are on the basis of market rent and property value based on comps.

I invest in central Wisconsin and the only reason I don't do more is I can't find deals (even here, the market is hot) I exited because it's already profitable more than 50% from my base investment.

The city's strong educational and medical sectors make it a prime investment hub.

I think this is all based on preference.

Lots of money going to these sticky tenants, strong demand regardless of economy...

LOL.There’s a WORSE WAY and a BEST WAY to try to obtain items 1-4 aboveBEST WAY: College or Professional Association courses in real estate (real estate license course as a base) and work experience for a REIT or other professional real estate organization and capital saved or equity raised from private parties with a MODERATE amount of debt leverage and or utilizing creative financing with low interest rate debt (may be highly leverage)WORSE WAY; Any guru courses or mentorship’s combine with high interest debt. 

Duplex is a great first step into the REI market if you can buy one that you can put in a little TLC/renovations, you can quickly refinance in as little as 6 months and buy another property keeping it as a rental.Duplex allows you to use the other "Unit" rents to qualify for the loan or higher loan amount.Rent is a waste of money when you look at an amortization schedule and payoff based on a 5 year model your rental has (ZERO) equity and a home has money you can pull out.

To note is that Berkeley has very low housing supplies and a strong rental market driven by UC Berkeley.

It has been booming for the past couple of years with strong job growth and population increase.

Just not sure whether (and what if so) there are any impacts to the mortgage/insurance company I need to be aware of, etc....Allocation is generally done based on sf.