It pays out monthly until owners pass then the funds transfer to heirs.

My friend has written an app called Shuk Rental Marketplace (I'm not in the company) so landlords can get rated and rate their tenants.

The only thing you can do is shop around for a better rate and hope you can get one from another carrier. 

Lots of lenders doing DSCR out there, they’ll differ in rates, communication, close times….what one person values might be different than what you value, so your overall experiences will vary.

30 yr fixed rate mortgage How did you add value to the deal?

Sure if you take a bet on rates... 

Recognize the demand for multi-family units, rental prices, vacancy rates, and property values as of right now.

One has to remember that rent rates nationwide have softened.

Hard to say what rates will be doing then or before (without making wildly inaccurate predictions that will come back to haunt me), so I'd just say to ensure you know what kind of (or if a) prepayment penalty is baked into the loan.

With $20k in savings and an additional $4k monthly saving rate, I'm navigating my next steps carefully, especially since I value starting with a substantial equity position in any deal.Here are the options I'm contemplating:Invest in a Low Entry Property: With my capacity for a 20% down payment, I'm considering properties in the $100k-$120k range.