(But don't even think of doing this one without getting proper training and solid paperwork!)

Depending on where you are investing you may have seen 100k increase or even double.

It breaks even with a loan of like 100k-ish.

The property is listed for $305,000 and he conceded an additional $15k down to $290k without me even saying anything.

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.

Real estate continues to be high where I am located and when I calculate the mortgage payment with 20% - 25% down, it only breaks even with the rent I could collect. 

I haven't been served, didn't go to court, didn't even know what this was because it was a foreclosed property that had a s3cond on it from 2005.

I put 35% down on my last property to get to break even.

Or even better some details for their experience. 

Thanks Filter Criteria- Looking at stable rental income and cash flow positive properties, even if the appreciation gain is not that much.