Makes the cashflow difficult at times, but so far I am making it work.I'd say, if you can still make it work there, keep doing it until it doesn't.

One of the good things about DSCR Lenders is that the guidelines and programs are different and not cookie-cutter 100% equivalent like conventional lenders that all must mirror the GSEs, etc.Most DSCR Lenders will have similar rates and terms and generally similar processes - so generally what will make the "best" one is the best one for your needs - I would focus on any specialties or niches - like short term rentals, if you do multifamily or mixed use, BRRRR Method or focus in on a specific market - find someone who specializes and has a good track record in that niche or area

which means that if you're making the minimum payment, you're not paying down the principal AT ALL. 

if the  138K heloc is ample  for your needs and if the 7.6%  isnt a teaser rate - use this one ....also make sure you are  familiar with  1) costs for each  2) required payments 

My guess is they are also making money off the international students charging them room and board. 

From a Real estate Agent who made the negotiation process.

Major employers like NASA and Redstone Arsenal make Huntsville a stable market for real estate investment.Housing Market:Home prices in Huntsville have been steadily increasing, yet remain affordable compared to national averages.

Also, make sure student housing is permitted in the area of the city/town that you are investing in. 

Typically the higher the lot price the more expensive the house you must build to make the numbers work. 

My tenant is not paying rent for last 3 months and I started eviction process.