We have in effect done a pocket veto as we have not responded, but I plan on responding indicating we need above LTR rates otherwise we can just switch to LTR increasing our revenue due to reduced expenses.  

@Mojgan AzarHouse hacking with a low down payment can help save money on living expenses and even make some extra cash.

TLO is super expensive for individual searches and is still only 50-70% accurate. 

Spend 2 years at a brokerage and you should qualify without the extra expense. 

I paid 1/2 of negotiated labor up front and have been purchasing/paying for materials myself. 

They finally paid a couple of days later.

They seem very expensive and I’m not sure they are a good fit for me.

I wasn't paid for my hard work.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

They shouldn't be the most expensive, but they shouldn't be the cheapest either.