I suspect this is due to either a better sales group, or the risk was simply adjust higher on the ones I went in. 

I have seen identical properties next to each other with one producing $63k and the other $140k and the only difference is who is managing it (including self managers).

The PPP is only 3 years, so you'd have plenty of time to choose between years 4 and 10 if you wanted to refi or just pay if off before your first adjustment ever occurs.  

So it will just be a minor adjustment to consumers in the states that didnt require this already.

With your excellent credit and a solid down payment, they may be open to adjusting their rate, especially if they know you’re shopping around.Explore Non-Traditional Lenders: Some private or hard money lenders could offer lower rates for DSCR loans, particularly if the property cash flows well.

You may be able to utilize air dna projections, but, this will come at a rate adjustment usually versus long-term rent. 

The only problem I now see is that I got sidetracked from my plan and now I'd like to pivot and adjust my routine to my interests and become the investor friendly agent, helping new and existing investors get their first or next investment.

Both of these hypotheticals would adjust slightly due to the PMT formula with excel.

Try contacting the water department, sometimes they provide "Leak Adjustments"

Transfer of Leases and Tenant Information•Review the existing leases to ensure compliance with local laws and assess any terms that may need to be adjusted.