I have also had leases where the language is slightly different and these bills are "payable BEFORE rent".

Only inherent difference is the chemical makeup.

I'd appreciate guidance and a different perspective.

There is no way to know what the lending landscape and his options will be in five years from now - that type of loan could still be available or there could be some differences - including nuance with the specific property, location, etc

We write with many different carriers but only a handful want, and are competitive on the mixed use.   

@Jack Anderson We have seen properties with a purchase price as low as $150,000 benefit from a cost segregation study, but of course, the benefits of a study are different for each person and each property. 

Two real estate agents I've talked to in two different cities are not finding very profitable deals.What are ways you use to compare markets and find the best one for you?

Is there a difference in rates or process?  

You can move money between different funds without having to pay any capital gains on the in-between for one example.

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.