These loans focus on the property's rental income to cover the mortgage payments, making them ideal for investors without well-documented or substantial income. 

I’m being told by accountant you can’t do schedule E if going this route, but if you do schedule C then you have to provide substantial services.  

I've personally worked with a handful of "investor-friendly" lenders, primarily on DSCR loans in recent years, and each time I've run into significant delays, lack of transparency about the process, have been fed the requirements in a piecemeal fashion (every few days there's a new random request rather than having it all organized from the start), and have even run into lenders who were substantially misinformed about the real estate industry or the laws that govern it on both a local and federal level.I think there should be a better site to encourage accountability by tracking how long it actually takes each lender to close their loans on average, and what unexpected hurdles investors encounter when trying to work with them.I can't seem to find such a site.

well they are, The amount of posts I see everywhere have increased substantially for those wanting to rent to sec 8 .

It could very well be the route that is "cheapest" now, ends up being substantially more expensive down the road.If the costs above are not worth it to you...maybe pass on the LLC and get yourself a good insurance policy, and maybe an umbrella policy personally.

Rather than try to find a way to buy the property with no skin in the game I suggest you find a partner with some capital and share the deal. either that or wholesale the deal if it is for sale substantially below market value. 

And while I was able to increase rents substantially, the making the garage a garage again, also involved a full gut remodel of the rest of the house, so the design and newness certainly played a big roll on the rent increase.Second case study, my wife and I recently bought a flip.  1960's built, four bed 2.5 bath house.  

Though his gross income has improved substantially on paper from the horror 2020 days I’d still say he’s at 25% DTI front end.

But the following year, a letter comes in the mail that says, "Here's your new tax bill... at a substantially higher rate."  

This doesn't make sense because there are so may costs to refinancing a property that, when you do the math, depending on how much your property is actually worth, the monthly improvement in cashflow does not substantiate the costs to refinance.