Once stocks become popular and liquid enough their correlation with each other really starts to steepen.I keep just enough reserves to cover worst-case scenarios with my RE holdings and they're held through a mixture of diversified assets. 

If the calculation is equal to 1 then you are not making money, 1 represents that you have enough cash flow to cover your dept. less than one means you were not making money and greater than one means you have a cushion and making money. banks look for above 1 because they want to make sure you will be making enough money to pay them back and that you will have the money should costs rise and change your NOI, I know my bank looks for 1.25 DSCR . usually they just do not look at the properties, they will look at your personal situation ( credit card dept, alimony payments, medical payments) especially if they want you to personally back up the loan. there are a lot of explanations and probably better than i explained, all you have to do is look up DSCR, hope that helps.

The warranty specifically stated that only piers are covered. 

So, the COC ROI seems to be about 9.744%Not as good as my stocks, but still not too bad.However, my credit union says they can get creative with my financing and use my equity in my personal residence and/or rental homes to cover my down payment.

I have a Landord policy covering the dwelling, appliances, etc.

I assume for some deals and strategies there's a big enough margin to cover all but I'm curious if there's a rule or something.I'm a licensed agent and there hasn't been a time where my buyer's have had to bring money to the table, and that's one of their biggest requests.

., 14% interest, first and last months PI Payment, and 2 points), but your deal should be sweet enough to cover this while you "season" the property in order to refinance in 6 -12 months. 

Cover your rear.

I don't think rent outside of the coasts will cover anything like that.

Sometimes rents are actually marked up and still don't go towards the purchase price.Final price marked up to cover things like annual maintenance.