You can imagine this can swing interest rates on refinances significantly dependent on the extent of that score discrepancy.

Also learn to do stress test on your portfolio if something happens (higher interest rate, vacancy, etc).5- Enjoy: You need to love doing that.

You won't believe how effective that is.Accordingly, it makes sense to get the documentation that the largest most successful landlord is using in your property location and follow in his footsteps by capturing his language and process.

Midlothian, Va vs Toano, Va.Property:Midlothian New Construction Stanley Martin 2 over 2 style:  3/2.5ba 1579sq priced at $410KSeller incentives : 5.5% fixed rate for a 30 years.  

If so what would the rates be?

I've been using a website called "area vibes" has alot of detailed info on any neighborhood you need, like the demographics, crime, schools, it rates everything using a grading system.

Is that market rate?

Cash-flowing SFR's are tough to find in this interest rate environment without value-add rehab work or a large down payment.

(the same loan you likely used to buy the now rental and your current primary) There is no reason no to use a conventional loan if you qualify because the rate AND terms will be better with a conventional loan then a DSCR. 

@Stephen Scott I may not have been able to help with a true vacancy rate but if there is anything I can being local to Carbondale let me know.