For DSCR, the seasoning requirement is usually ranging for 3-6 months meanwhile a conventional lender has a 12 month seasoning requirement.

For clear evidence, you may want to consider an air quality monitor specifically noted for detecting a range of smoke types.

Today, we note that the vast majority of western nations are similarly bouncing around a 2'ish % mark. 

Most of my clients buying STNL or MTNL stay in certain price ranges.

Personally, I've seen cash flow yields ranging from 10-18%, with plenty of potential for even more.

It consistently achieves 95-100% occupancy as a short-term rental, with nightly rates ranging from $350 to $550, generating substantial cash flow.

4) LTR projections range from $1600, which is from bigger pockets rent estimator to about $2500 from looking at comps in the area.  5) Top properties do about 10 to 15 grand more potentially, in 50k+ range which we would be happy with.

I am covering utilities for the 1st floor and garden unit (for a 3-unit MFH rental)Any recommendations for a programmable thermostat where I can lock appropriate temperature ranges?

With a rate for a first mortgage today in the 6-7% range something like this probably is going to be close to or in the double digits. 

Lenders that would do that already went out of business, and/or stopped offering it, in 2022/2023.To get the 11% lender on board, you'd needing to be looking at a property with vastly more significant upside than a standard ho-hum annual 5% rent increase.A 30% vacant mismanaged apartment building would be an example of where the 11% lender would step in, and ACTUALLY make it to the finish line.What you are looking at right now is someone that's going to garner 20 applications with the hopes of finding 1 or 2, with enough upside, to actually fund.