Know your neighborhood demographics and speak their language.

Hi @Evelio Martinez,Sorry I can't speak to the South Florida market, but I was able to get a non-owner occupied HELOC on an investment a few months ago.

There is some variation between lenders as to how they calculate the DSCR, so I'd recommend speaking to one of these lenders directly (we do this kind of loan) to get a quote.

You could get some help with a private loan broker or just speak directly with private lenders.

I have been speaking with a few customers and conventional loan officers lately regarding 30yr financing on investment properties and the rates I am now hearing are north of 5%.

In short, I wasn't impressed.The company seems to have good tech and an outwardly impressive appearance, but speaking from my own experience, I really don't believe that their agents are all that well incentivized or professional.

Is there a name for that process I can use when speaking to realtors? 

When you speak to them over the phone during your prescreen, you can mention that LA city code has a limit of 2 people per bedroom per unit.

I am at the ten financed property limit currently, so I speak from personal experience. 

Ask to speak with some of their current owners and current/former tenants.