From a lenders perspective, I would want a larger down payment or a significantly higher interest rate.

Option C : borrow the EMD from the many willing lenders and pull $5000 out of his $ 20000 assignment fee.

DSCR loans are typically stabilized properties so doing anything other than collecting rent is not attractive to lenders for DSCR loans.

You can find comparable sales data on websites like Zillow, Redfin, Realtor.com.

I will look for 2 other lenders who are also going to be comparable national banks.

Please elaborate on why each is essential and how they contribute to a company's overall performance and reliability.Similarly, provide a list of red flags or negative traits that indicate a subpar or potentially problematic property management company, with explanations on how these might negatively impact my real estate operations.Create a scoring or rating system that I can use to objectively evaluate and compare each property management company based on the traits and skills identified earlier.

I found another lender but is requiring about 40% down?

The ARV is determined by sales of nearby comparable homes.

@Kevin Nichols You have to fall into their parameters just like any lender, but they're legitimate.

I like to look at the historical submarket cap rate over the last 20-30 years and compare to the current spread.