Although the days of cash flowing a house hack are gone (for now), cutting your living expenses down and using OPP to pay most of your mortgage is pretty great!

You just need to work with the lender and show that you can afford a down payment and the monthly payments. 

Most lenders sell their loans on the backend and some sell to different investors so they don't always know for certain who it will be sold to / if it will reported on your credit report as some report on the backend, some don't.In case helpful, more info on DSCR loans: DSCR loans won't use your income to underwrite the loan.DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.Here's a bit more in detail about how rates are calculated for DSCR loans:1.

I am interested to hear what others think, their methods to finance, tools they use and if they would go for it.I might be able to bring some other financing from family but we currently have about 140k to put down (yes I know that's low). 

If buyers are financing with 10-20% down and hoping to secure a competitive property, I'll provide them an accurate competitive market analysis (CMA) and have my lender partner (or myself as a licensed NMLS mortgage broker) breakdown the differences in loan terms for an escalated at various price examples. 

Though I prefer to go head-on with things. 

Or you can be in between the 2, and get a 5% ROI in a decent area (Numbers are not exact, just examples)I hear many people say they are doing it for "long term wealth", but will end up turning down an opportunity that will be much better off in 5 years, opposed to another property that looks great now, but in 5 years will be in the same spot it was before. 

I'm dealing with one now, example of issue: They want hand rails going down to the basement from the outside cellar doors.

A great deal of the phone numbers I have tracked down are on the do not call list.

I grew up in Horseheads, south of you.It's 10 acres with a view of Keuka Lake, and from your description of how this has gone down, I'll bet it's Yates County.