Doesn't necessarily have to be DSCR if you can qualify with DTI, employment and income being factored in. 

How do investors handle rental income and student loans?

Do I have to add those $45000 to my income and then I pay taxes and my ordinary tax bracket wiil be the $45000 plus my work income, do I get taxed twice?

If it were me I'd fix it up to rental quality, no furnishings and rent to the first qualified tenant to apply (3 x the rent gross household income, no history of court with or debt to prior landlords). 

With no state income taxes they government needs to get their money somehow.  

L.A. has had the worst response rate for us in terms of qualified leads generated per mailing.

They will look to work with small operating companies to get sba loans, but they will want to see two years of income : tax returnsSo if the company is a general contractor then its income / expenses could get it some sba loan but if you are fixing and flipping and are looking to get a mortgage they will look at you not the LLC

HI Hernan,You can always start off by house hacking meaning you live in one UNIT or ROOM and renting out the other vacant units/rooms to offset your monthly mortgage payment.There are several ways to run and make sure you are maximizing your rental income while keeping your living expense as low as possible.

If I have to pay taxes on my income, SO DO THEY!

You would just have to be able to qualify from a debt to income ratio stand point.