I understand they have a little bit higher interest rate, but what are the risks of DSCR loans?

I just learned that builders risk and liability insurance coverage can cease once a CO is issued for a new build.

Here's a breakdown of both the risks and opportunities:Risks to ConsiderHigher Interest Rates: Financing is more expensive now, which can compress cash flow and make some deals less appealing on paper.

Not sure how many PMCs you've had bad experiences with, but we'll take exception to:"Then do a thorough research on tenant applicants (note: leaving this to a PM may be hazardous to your financial health)".BP seems to have more threads about screening mistakes by DIY landlords as opposed to PMCs.Now, if you'd have mentioned Maintenance, you'd get no argument from me:) Even the PMC industry acknowledges maintenance as one of the biggest challenges.Rereading my post, I kinda see how I sounded negative toward PMs.  

I value my health and try to get 7-8 hours of sleep.

There isn't a lot of things you can do to mitigate the risk.

You get a deduction for the contribution, the gains grow tax-free and as long as you use the proceeds for health-related expenses the funds come out tax free as well. 

It sounds like you've done a great job in investing in yourself and taking personal risks. 

The last polling I saw showed that the large spending by the aids health foundation was working.  

Quote from @Carol Corbin: Hi , I’ve been looking like crazy for health care agencies to rent my home to?