I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350Insurance = $100Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250Insurance = $100Association Dues = $25Total PITIA = $1875Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23Lender terms and fees vary widely. 

Its easy to find, free to download and widely used in the state of Texas.

The opportunity is Just wide open.

Notes: The existing hallway in the second floor unit is only 24" wide(!?!)

I couldn't agree more that people do have to go in with eyes wide open and it is demanding in ways that are unexpected.

Challenges was in the beginning in dropping material on a 50 foot wide lawn.

I think in my line of work it is widely more accepted.

@Vishnusai Yoganand- thanks for the outline ....you are  covering a  wide spectrum .....1) with the  prices in the KING/ SNOH/ PIERCE  region being  hih - you are  right  in that it will be  more  difficult to aceive the cash flow you want   2) if you are loking at  purchasing a  1-4 unit rental - most of these transactions can have  " regular " resedential  loans  used......anything  larger than a 4 plex  will liekly  require  a commercial loan ....these are  very  different loans   3) I would  recommend  getting  pre approved for a  hypothetical  scenario  ( eg.  5 plex  purchase for 700K )  so you can   become  familair / aware  of the  fees  and  current loan terms  and  also to make sure you can be approved for what you may need ......I would also   recommend location a  commercial lender that  can essentially do the same  thing for you on a hypotehtical  commercial  property purchase    4)   100k-150k may not  go  very  far  if  you  are  buying a  comm property or a  3-4 plex  as these  requie large  down payments 

I work for a lender based in Austin, TX but we lend nation-wide.

I know 3 that write them locally in DFW...and none will do it state wide. 2.