I quit Reddit because of downvotes.

Quit comparing yourself. 

These items will vary from DSCR Lender to DSCR Lender and can also be determined by things like your credit score, property type and its DSCR ratio, etc.  3% origination cost is very high for DSCR as well unless you are essentially "buying down" the interest rate quite a bit (trading fees for a much lower rate over the life of the loan)I have also been told by multiple people that I should create an LLC or Trust.

This is me as well, though I don't think I'm at quite 400k available but it's several numbers in the 6 figures.

Not quite.

Put the profit towards a new Primary residence and ~$50k towards a rental property.2) Rent it out and eat the cash flow loss, hoping rents increase.

As mentioned above, calling numbers on the Do Not Call (DNC) list is risky, but at the end of the day, enforcement is quite challenging.What you REALLY NEED TO WATCH OUT FOR ARE - litigators.

I don’t have any debt besides my mortgage fortunately or unfortunately however you look at it, and I’m not opposed to using my extra funds to buy down my mortgage but I’m afraid it won’t lower my DTI quite enough.

I then Issued a 3 day Notice to Quit last week, no response!

To make a long story short, i am told there are quite a few complexities and fees that make it only practical at scale.