Otherwise I let most of it slide. 

After the initial outrage and subsequent investigation into the laws surrounding service animals I agree completely that I must walk softly around this issue. 

In our homes with wood floors we describe normal wear and rear in our info sheet and leave a starter pack of felt pads and slides on the counter.

Alan, it looks like I can still slide a tic-tac under your knee in your profile picture!

Real estate lags the economy by 3-6 months so I wouldn't be surprised that the real estate starts to slide by summer.My concern is where will we go from here? 

There is often a sort of sliding scale that lenders will apply based on a number of underwriting criteria, e.g.;- Experience (# of investment properties sold, or comparable projects completed within a given timeframe, like the last 3 years)- Credit score (generally the higher the score, the lower the rate available)- Leverage (LTC/LTV - generally the higher the leverage, the higher the rate)The above list is by no means exhaustive, and the elements will vary by lender.With that said, typical short-term HML interest rates right now are likely to be somewhere between the high single digits, like 9%, and the mid 10's, like 14-15%.Also, HMLs typically charge a couple of origination points.(3) Lastly, are there other recommendations from the BP brain-trust that are all welcomed and thanks in advance?

I'm biased toward brokers because I am one.Reaching out to several DSCR lenders will be exhausting, could damage your credit score because of multiple credit pulls and subsequently cause you to get a higher rate/lower ltv on your loan. 

As with many things in life and history, those will more experience and tenure are more often better predictors of outcomes.As for the OP and subsequent responses, I feel there are a lot of good points posted by many.

You can have grace and let it slide, but can you live with that?

The big question is always where on this sliding scale do you want to invest.