Pay the bill yourself, then reimburse yourself by charging the tenants based on a formula.

For example, I used AirDNA for a property and came up with $54,200 annual income, Pricelabs says $24,600, and my estimate based on the property my in laws stay at is $32,000.The income is the hardest for me to estimate, even using enemy method. 

I was better off taking a course from a local REIA and networking with other local investors that know the local market and understand the varying abilities of the local title and escrow companies. 

DSCR is a type of investment property loan that lenders use to evaluate the cash flow from a property relative to its debt obligations, rather than primarily focusing on you, the borrower's personal income.Down payment: Expect to need at least 20% to 30% as a down payment, though this can vary by lender and property type.Interest rate: Interest rates for DSCR loans are typically higher than those for conventional loans because lenders view them as higher risk.

Based on what I'm reading here I would focus more on Airbnb/Vrbo.

Lastly..Gang seriously.It is frustrating how much proof I constantly need to post yet so many of you are so invreddibly stubborn so see what is right infront of you, and make decisions based on emotion/opinion, instead of Proof, Data, evidence.It truly is up to you.Want to keep struggling?

I know there are companies that give HELOCs based off the future appraised value of the home.

Two AF bases there, which is usually a good sign for the rental market.  

On the other hand, I invested in other areas, Humboldt Park, Pilsen, etc. which I thought would appreciate, and did not - or would take much longer to do so.The problem is I have had a hard time being honest with myself, and basing my decisions on wishful thinking, not cold hard facts. 

They lowered the price a couple times and then I offered another 6.9% below that and we have a deal.I suspect they have a mortgage at 3.6% based on when they last got financing and I REALLY would love that rate, so much that I'm open to re-doing the deal much closer to their most recent listing price if I can get the house subject-to the existing mortgage and give them cash for the difference.