I have tried Glacier, Aqua, Kohler, Delta, Sterling, American Standard and some others.I have had issues with delta compact elongated.

DSCR isn't always and issue if the bank understands how you can fund the delta if it doesn't cover day 1.

As an investor whom is under contract for a new build with Delta Build Services that was brokered by Rent to Retirement I received correspondence from Rent to Retirement asking if I would like to join a private discussion group administered by them. 

I recently took 2 flights on Delta. 

What is the Delta between the money you have and the money you need.How accurate is that number; is it just a guess, or is there a well thought out spreadsheet to back it up?

@Thomas Jackson the idea is to take the upside delta between the sale price and the preferred return for the investors, then also maintain a stream of passive income for the Principals.

I just think it's overpriced and the delta between your price and their price might take months to find an agreement, months when you could've deployed capital and energy elsewhere.

-Initially, I would assume I could do the hybrid, sellfi portion of it at a 4.5% rate at 360 months     ->Principal value: $169k      -> Delta between asking price and remining principal ($355k-169k=$185k) , at terms above -> $940 /month-2% Seller agent fee  -> $7,100-2% Closing cost -> $7,100-Seller pays closing cost and commissions-I pay attorney/title fee - $3000Acquisition Strategy:Offer full asking price -> $355k using hybrid terms-SubTo remaining debt ->  $1006 /month-Seller finance delta (from above assumptions) -> $940Total Debt Service: $1946Disposition Strategy:-Sell home on wrapped mortgage, 360 months, 8%, $355k, 10% down ($319,500 principal)     Payment  -> $2344 (local rental comps about $100-200 above this amount, so feels justified for 8% rate)Profit:Upfront cash from the deal => $ 35,500 down payment -$3000 attorney => $32,500Cash flow => $397.51 per month => $4770 /yearNote a few assumptions were made here. 

Inflation destroys the value of debt, so from a purely financial point of view a reasonable delta between income and debt load will only increase over time.

When you do the delta between the current contract price and eventual sales price is your damages.