They also didn’t agree at a lower price because the properties were wholesale properties and had to charge me an assignment fee.

Remarkably, despite these ongoing shifts, delinquency rates remain low on a relative basis when compared to the office, retail, and hospitality sectors.Although factors such as declining household formations, rising supply deliveries, and weakening demand may present temporary obstacles, the sector has successfully emerged from similar challenges in the past.

There may be lenders who offer a similar program but definitely do your research on their fees and investors.  

Commercial DSCR typically factors in extra expenses, reserves, property management, etc.  

For our portfolio it would cost us nearly $50,000 a year in management fees.  

One of the contributing factors to falling sales volume is mismatched pricing expectations as builders deliver new pre-leased offerings.

So in order to break even as a STR, we'd need $4,200/m (15% management fee - $3,500 for mortgage + utilities)Likewise with a LTR we'd break even past $3,200/m which seems more than attainable since comps come in from $3,500-$4,000 for similar listings.My 2 questions are;1.

I have a unicorn with lower rates and fees=CASH FLOW

If you decide to buy, a house hack probably makes the most sense to start so that you can leverage a low down payment option.If I were you, I'd make sure to factor in 3-6 months of reserves in the event that something happens.

I wonder if you could switch to one of those insurance companies that guarantees rent for a monthly fee?