Remember that the rates that pop up are typically for "perfect" borrowers with excellent credit and down payments. 

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Like some Guru's say you dont need hundreds of units in some expensive markets like ours in the PNW you only need a few free and clear SFR's (build multiple ADU's) or MFR's (or low leverage/free clear close to) in order to reach your financial freedom metrics.There are local lenders who can give you options even past 10+ fannie/freddie products not just relying on private capital from DSCR or non QM products (these are an option too) however there are pros and cons.Id say the benefits of the DSCR product line is that some of them can go up to 25+ financed properties while some DSCR lenders can only go 4-10 or 15 tops.

But also to most $700/mo in a car note is acceptable, as is $300/mo in credit card interest fees, and withdrawing from savings to cover excess spending and student loan notes due.

From my point of view, its industry practice --- I forget the exact benefit of being ther.Yes,they can take you off anytime. 

Makes sense when thinking about it- the US offers that as an incentive for investing on US soil, I don't think the govt wants to actively encourage foreign investment by giving us a domestic benefit.

Plus taxes and insurance of $20000+ X 10 years= $200000You will need a $1,010,000 loan at 77% loan to value of $1,300,000 to pay them in full.You will need a FICO of 720 and $27000 monthly income assuming you don't have credit cards or car loans... assuming Jumbo loans are qualified similar to how it works today.

They will look at your debt-to-income, credit, income history, etc. 

I personally finance 95% of my renovations via credit, lines of credit, or loan's. which I pay them off quickly. 

Any source that brings you deals that meet your criteria is a benefit.