The other option could be doing a fix and flip loan, if they have reserve money and then refinance into a DSCR loan, they could be into it for less money than a conventional investment loan or DSCR from the begining. 

They will just use the market rents form the appraiser and you will need to have reserves 6-12 months.

If they did go into a bank account it was to reestablish a liquify reserve that had been depleted - so interest rate would not be relevant here.

-Landlord reserves all rights to reject any or all applicants that does not meet the selection criteria set by the landlord.

As an MTR I can get $2,200 but I need to pay an average of $200 for utilities and an extra $100 for vacancy reserves (I self manage so no increase there).

Also @Tim Phillips something to be aware of in FL, all condos older than 30 years and taller than 3 stories are required to have a "Structural Integrity Reserve Study" performed before the end of this year.

i just know it's not the brand new investors who have zero reserves, and can ONLY afford something if they finance using a HELOC as a down payment. 

Do you believe that reviews are the main pillar for securing more reservations for a property that is already listed?

When taxes really bother you, you sometimes push your common sense and reservations aside and sign up for things against your better judgment.

That's why we reserve CAPEX.