Sufficient documents include:A recent utility billA mortgage statementAn insurance policyOnce reviewed and approved, we will then lift the hold and restore full access to your Avail account.We strive to ensure that all of our customers love using Avail.

I just got a DSCR (Debt Service Coverage Ratio?)

Because if she's not on title, she can be a first time homebuyers/owner-occupant for any home she wants to buy, and take advantage of the preferential interest rates for owner occupants.Another factor is that if both are on the loan, they will both be liable for the entire debt, and it will hurt them going forward because of debt to income ratio if they want to buy more properties.He can always give her a life estate in the unlikely event of his death if it's an inheritance issue.

I really would love something that can help us establish what we made from x property, what we need to pay for the debt service and expenses for the month, and automatically distributes the positive cashflow into our accounts or something of that nature to make things more automated and organized.Does anyone use something like this?

My understanding is you can get a DCRS loan at 1.2 - 1.25 debt service coverage.Assuming the property is currently being used for short term rentals:What is stopping me from acquiring a property having less than this debt service coverage (1.2-1.25), and then immediately refinancing up to 1.2-1.25 and getting principle back out?

LLCs typically get portfolio loans which are often short term 15-20 year variable rate loans and you will be expected to personally guarantee the loan as well even though the LLC will own the debt.

Being a broker in this space, the lenders offering 30 year terms (true 30) are non-bank, non-depository, usually backed by some type of hedge/debt fund or other type of institution. 

If their debt to income is too high, that will be reflected in their credit score.

If the investor you spoke of had done so, not only would they have been aware of the underlying debt, they also could have requested the seller give the current lender authorization to share information with the investor. 

I have $1,000 in saving and every bit of my extra money goes to the debt snowball.