Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, recent evictions.

That impacts me negatively now (compared to 6%), but supposedly was to prevent IRS questioning/audit in the future. 

She offered to pay a full rent's payment upfront, along with the deposit, to compensate for her current unemployment.Are there negatives or major red flags that are associated with this that I should consider as I evaluate her application?

Although, Buildium is good and affordable, it isn't just as robust compared to AF.I hear negative things about doorloop and don't have any experience with it.I consult my clients in AppFolio and Buildium so it really just the price and how big you want to grow your business.

Surround yourself with positive people and distance yourself from negative ones.

I wouldn't call that a true "DSCR Loan" - especially considering that a ground-up construction property won't have any cash flow so DSCR would be negative or 0 numerator if you'd try to calculate it

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

No idea at rent point but if actually get appraisal of $320k with high LTV extract, will require rent in excess of $3200 to not be negative

There are certain individuals that are in your face selling their products/training and it has caused a negative reaction on Bigger Pockets if certain individuals were promoting Sub2.