I'm born and raised in Houston and now work with a full service long-term rental management managing over 300 doors - all SF or MU (up to 4 unit).

Of course, I am sure nobody would do that on this site since that would violate the terms of service!

One solution could be a Debt Service Coverage Ratio (DSCR) loan.

As for serviceability, I personally prefer kohler as a plumber.

Customer service is always great when they have something to sell, I am sure you know this. 

On the other hand, if you're aiming for long-term rental properties, getting prequalified with a lender specializing in traditional loans or DSCR (Debt Service Coverage Ratio) loans is key.

This is a FREE service provided by the bank, and we have used this account for about 15 years or so. 

The goal is to ensure that the property remains viable even if circumstances change, like dealing with a non-paying tenant or a market downturn.

While their services may seem expensive, they can save you money by maximizing deductions and ensuring compliance with tax laws.

Most non-qm loan products will never have a 95% LTV due to the inherent risks associated with these type of loans not being traditionally backed by fannie or freddie (investment banks).