DSCR floors are landing in that 1.15–1.20 range for most files, but I am seeing a few programs dip under 1.0 when the borrower has really strong credit, low leverage, and solid reserves.

Ive been using and programming it for about 6 years now.

For both programs:1.00+ DSCR is the clean approval box.Sub-1.0 deals can be considered depending on reserves, credit profile, and pricing tolerance — but for most investors aiming for best terms, 1.00-1.25 is the target.4) Are these available in OH and IL?

For example, with certain vacation home programs, a secondary home can be purchased with as little as 5% down, which significantly lowers the barrier to entry for investors who want to offset personal use with income production.

They have an excellent training program. 

Some non-publicly traded REIT's will offer share purchase programs and then you could sell some shares, maybe, if they feel like they can afford it.

Is Peter Conte program is definitely a fraud.

Most investors struggle not because of the program, but because they operate without structure.What’s the longest you’ve waited for a voucher tenant to get approved?

That said, I am seeing some programs go under a 1.0 DSCR in very specific cases — usually when you’ve got really strong credit, low leverage in that 65–70% LTV band, and substantial reserves.

First, they tend to have only a couple of programs and if you do not fit in their box, you don't fit in their box.