Your current tracking methods, combined with your credit report and tax returns, should generally meet lender requirements

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

At least for the first and second time, after that I will consider other methods.

Depending on how everything is set up, what you consider a max for retirement account contributions may only be the 20k limit whereas you can go up to ~$70k in total with other methods.

.- If still skeptical, ask for personal references from employers, community leaders, or other respected individuals who can vouch for their character and reliability.By using these methods, you can make a more informed decision about renting to this couple, giving them a fair evaluation while also protecting your interests as a landlord.

The BRRRR method is definitely NOT the most comfortable way to get started, but it's so worth it and you learn so much along the way.

If not, agree they need to pay you with a different more verifiable method or you start the eviction process.I have had so many tenants with no bank accounts. 

Ive been trying to decide between; flipping a house that's on the market, flipping a foreclosure property, building a spec house or doing the BRRR method.

It's not the ideal living condition, but it's a proven method of investing when real estate is unaffordable.

Find Brandon's videos on YouTube for the "four square" method of analyzing homes and practice.