It might be a good idea to look into what tech related companies are emerging with real estate-related products.

There are still down payment assistance options or portfolio products for lesser of a downpayment but your terms on those are worse. 

I agree that tariffs can be justified against certain countries like china on specific products where their govt is clearly subsidizing the manufacture of those goods and dumping the products to try to run the competition into the ground.That being said. 

Deductions are a matter of legislative grace and the taxpayer bears the burden of proof, both of production and persuasion.

AS John points out, yes, we do have LOC products for investment properties in Texas.

Thank you I would always refer people to trusted sources like @Brian Burke , who have a good reputation and while they have their own products to sell can help evaluate the claims made by another fund.

He's out of Rochester, has lower limits for DSCR but also has a ton of options for loan products.

Complaining, or (overly) worrying, about these things is counter-productive. 

Most of them are not specialists in the way that youre thinking - they're retail employees with baseline knowledge of the products in that area.

Simple, get the book: "Lend To Live".It's "the Bible" of the lending business and it's featured here on BPhttps://store.biggerpockets.com/products/lend-to-liveMike