Oftentimes, there are surprises lurking that don't show up until after we record...All of that being said, I recognize that B+/A neighborhoods prove to be super-safe investments given the tenants that usually are able to afford the units.

@Kenneth Smith IISo the DSCR term is simply the method commercial lenders use to help recognize that the property will generate income to help pay the mortgage. 

Tesla was a gamble since I wanted a CyberTruck and it ended making me 1048% sold on September 2 when I sold I can buy it back after the first of the year a little cheaper and if the stock does well I can pay for a car. if not I buy a cheaper used one.

If you consistently analyze properties, it will be much easier to recognize a good deal when it shows up.

Usually your agent will be able to guide you to lenders that are locally recognized and are experienced in the loans that you want to use to house hack. 

Once you start analyzing a ton of deals, when one pops up, or an opportunity to lock up a property under contract comes up, you will be able to recognize it.

That's called speculation or gambling, particularly when the market has been growing for ten years straight.Sell the property and invest in something that cash flows today.

If you consistently analyze properties, it will be much easier to recognize a good deal when it shows up.

I received other FALSE private lenders but I was able to recognize them IMMEDIATELY and went the other way.

I am afraid of both possibilities as they can be a gamble of sorts one way or another but I am more inclined to make a claim with Citizens and see what I get. , without affecting my tenants (and income) as much as possible.