After seeing several "market crashes" of varying degrees, an experienced lender will not lend 100%..particularly on a non-owner-occupied investment.

Has anyone hired someone on payroll to oversee their personal portfolio?  

You'll need a lawyer to generate the paperwork and filings and experienced enough to give you general advice on the process, help you establish appropriate compliance and back office procedures.

I am thinking Des Moines may be a good place for me to start for some personal and professional reasons.

A true DSCR product doesn’t care about your personal debt. 

If one person stops paying and it's tolerated, It's more likely to spread within the house.

I personally welcome the feedback as it can only help me become better at this.I think there needs to be a degree of fairness/ principle here though.

The only PITIA paid from personal account is for a personal residence.

I am looking to put a lease together for a mid-term single family rental in South Philadelphia.If you happen to be an experienced landlord in Philadelphia and have a lease you'd be willing to share and I could use at least as my starting point I'd be super grateful.If not, what things should I make sure are in the lease?

I personally don’t want to use FHA.