I have checked rental comps on the BP calculator and have found that homes in this area with these stats can rent for around $1100, but this is nowhere close to the required mortgage payment (Realistically I think I could have 2 tenants paying at least $1000 per month each, though this calculator has me thinking otherwise).

Stay flexible and open-minded as real estate investing requires patience and adaptability to changing market conditions.

We would need to verify that you are able to meet the DTI requirement since we will not be able to use rental income to offset the mortgage debt. 

Laws governing real estate agents are left to each state to determine such as what counts as proper paperwork for a transaction and even how long a broker has before they're required to get back to you.

You are never required to have a buyers agent.

My attorney wrote: it is my understanding that the lender was going to require seller to secure their interest with a second position mortgage.

Every single resource on the FTC website refers to the people on the DNC list as "consumers" and the people required to follow those rules as "telemarketers" or "sellers".

@Cristian Estremera the initial difference is the financing options.1-4 family are eligible for FNMA, FHA and VA mortgages.5+ units require commercial/DSR loans.As number of units increase over 5, management changes.

The only problem I see with that is I would have to get a conventional loan on my next purchase that would require 20% which I’m trying to avoid.

Check the appraisal if they noted it as "Deferred Maintenance" - most DSCR Lenders will require the property to be fully turnkey and either $0 or up to a very small amount, like $2k deferred maintenance noted