Building roads and extending utilities comes after a lot of other expensive and time-consuming work.

Using loan proceeds to purchase another primary residence is considered consumer purpose and would not fall within DSCR guidelines.

In the past we've always relied on agents, but this is time consuming and it always feels like we're being a bother when asking.

This negative position can consume years of cash flow to recover.

That will get consumed with yearly expenses, especially a 3 acre lawn to maintain.  

Check out the following links where you can look them up - NYC's Department of Buildings ; Nassau County Consumer Affairs ; Suffolk County Consumer Affairs.

You answered your question in the last sentence - disclosures are required on conventional but not for DSCR - these are really aimed at overprotecting the consumer (non sophisticated or non real estate professional) - since DSCR Loans are 100% business purpose and for investors (and typically for experienced investors or non-first time buyers only), there is less need to overly disclose / overly explain everything in a disclosure since its assumed they are experienced and know the basics

There is far more prep, detail and care that goes in to doing a decent job and it's super time consuming.

My spreadsheet is $30This helps pay for consumables. .

For a complete list of orders and laws relating to foreclosure moratoriums and restrictions in Connecticut, please view the below links. https://portal.ct.gov/DOB/Consumer/Consumer-Help/COVID-19-Mortgage-Relief https://jud.ct.gov/COVID19.htmhttps://portal.ct.gov/DOB/Consumer/Consumer-Help/COVID-19-Non-Federal-Mortgage-HelpMortgage Work-Outs / Forbearance Many lenders are more willing to negotiate work-outs and/or forbearance agreements during Covid-19.