So I guess the route is:1) Try to qualify for loan with standard DTI/W2 underwriting. 2) See how much they will qualify you for and at what interest/points. 3) Get a competing quote from a DSCR lender.4) Compare subsequent deal cashflows, and choose better option. 

BP,While researching a couple different local banks in MD for a cash out refi loan, I was sent this by a lender and told that this was a pretty standard loan.

BP,While researching a couple different local banks in MD for a cash out refi loan, I was sent this by a lender and told that this was a pretty standard loan.

I've done facility maintenance work in the past for my first job and believe I'd be able to manage contractors but this wasn't a desired choice.

Some markets have it as standard practice.

Location is crucial for standard of living. 

If you are planning to live in the property then you can have less down payment rather than the standard 25% down on an investment property.2.

A BiggerPockets standard is about $100 per unit of TRUE CASHFLOW.

An agent forgets everything from the class because most of it never comes up in standard residential transactions.

Even though a HUD consultant is really only required for Standard 203k's, most good reno lenders still use them on all reno loans.