In a past life, I did a big analysis of various asset classes throughout many recessions using data from NCREIF data.  

If you have difficulty showing income or have a high DTI ratio, DSCR loans are a great way to finance an investment property without having to show your personal income.

was thinking of letting them know I leg rent more than a certain amount here in California unless that person decided to move out and one of their other not on the contract tenants signed a new lease at the higher rate?  

DSCR loans are typically for income-producing properties, whereas HELOC's are used for personal expenses or home improvements.

Personally, I keep my rent increases to 5-10% while not pushing them all the way up to market rent.

Are there any good screening companies that screen Canadians?  The wife does not work so the financial responsibility would fall to the husband.  They omitted listing her on the application. I would still want to scre...

.- 2022 and 2023 Federal Tax returns with all schedules included- business and personal (if filed separately)- January 2024-current Profit/Loss, Balance sheet, debt schedule (template attached here- or can use your own profit/ loss template)- 30 days most recent paystubs and ’22 ’23 W2s if you receive pay checks.- Most recent 2 months of bank statements outside of CBNA- Most recent retirement/ investment/ life insurance statement, if applicable.Is this an insane amount of paper? 

It is not an issue if you are adding more square feet for your personal preference, but I would not expect an ARV that is as high. 

I personally have no interest in buying my own...

They can and often will say 'no' but if you can just get a 'yes' on a single digit fixed rate you're probably better off than any personal or consolidation loan you may get.