The success of your rental depends on it.

You can keep trying as it is possible to get different results depending on who you talk to, however I do not think it is worth the energy. 

Depending on your state you may need a separate bank account for your tenant's security deposit.

We would then rent the back unit for market rates and keep the tenant in the 1b/1ba unit. 

Just trying to figure out our options here, would love to keep the interest rate if possible for obvious reasons.

I'm aware of the vacancy rate being 6% in the SFR industry but I was wondering what percentage of units go on the market every year from your portfolio.

I think it depends on several factors. 1.

I would bet good money that they are paying below market rates.In case you missed it: get rid of them.Spruce the property up, study the market to determine a fair market rate, and find a renter that is willing to pay the market rate, pay the deposit, and abide by your agreement.Not everyone is cut out to be a good landlord.

Here's a bit more in detail about how rates are calculated for DSCR loans:1.

Like most everyone has said, it all depends on the property.