I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

But even if we can get to that understanding, it will still vary a LOT by market.

hey everyone, this year I built an investment property and it ended up not going as planned and at the end of it all I’m probably going to break even or lose some money.

(Find a 5br, numbers look even better.)Save, save, save what tenants pay, and then repeat in a few years. 

If it went any higher the argument for renting would become even stronger.The opportunity cost of tying up all that cash, time & energy is almost never worth it.One of the only times it makes since to finance your primary residence is when you know you are buying a property substantially under market, and reselling it.

Even for US Citizens, many US banks won't do loans with investors from out of the state (they want local tie).  

Even in Sandy Springs, the original poster's location, investors have to deal with Fulton County injustice.

Even if you buy something that needs slight renovations, you can do them while living there, and then in a year or 2, you can rent that one and have 2 units in your portfolio, and buy another primary residence to move into with 3.5-5% down.

I have never done a land trustWe have a living revocable trust that we set upHonestly I should have done it 15 years ago but did it like 6 years ago.I do not see the need for a land trust unless you are a politician, actor or athlete (someone who is famous).I have done business with multiple billionaires (not bragging but trying to make my point) including several that owned professional sports teams - and even they did not use land trusts…

It is landlord-friendly, and specific pockets have gone upwards of 2-4x in the last 5-10 years.To be even more specific areas I would focus on are the westside of Cleveland (Cudell, Old Brooklyn, West Boulevard, Jefferson, Clark Fulton).