Here's a bit more in detail about how rates are calculated for DSCR loans:1.

However we would be "getting more house" ( access to a second back yard, tool shed, driveway, second storage unit, etc)When I look at other houses in the area, with the intrest rates as they are, I don't understand why anyone would buy multifamily and rent it out when all of these calculations would be negative cash flow.

The tank size doesnt matter as much as the perk rate of the soil .  10 gallons goes in and it displaces 10 gallons into the drain field .

I'd like to charge a per use fee to at least help recover the cost of repairs each year or buy new machines.

**PITI is $522 a month (2%interest rate)** Actually cosmetically ready for renters and appears fixed up.On the inspection report the plumbing failed and it mentioned shifting soil in the foundation report. 

To make money you need find the needle from the haystack deals and have contractors working for you at below market rates. 

I'm in the position to apply(depending on lender DTI requirement) for conventional financing through the builder at <6% interest rate in this current market.

Super Jumbo mortgage loans and lenders can vary widely in their rates and qualifications. 

We have a local credit union at 1% origination and 7.25% rate, plenty of good locals at a point and prime plus one, and some good local private lenders. 

I would bet good money that they are paying below market rates.In case you missed it: get rid of them.Spruce the property up, study the market to determine a fair market rate, and find a renter that is willing to pay the market rate, pay the deposit, and abide by your agreement.Not everyone is cut out to be a good landlord.