. • Converting from conventional loans to DSCR or non-QM products can make sense for investors.If the property performs well as a rental, a DSCR loan can sometimes offer more favorable terms and flexibility than the borrower’s original financing — especially for investors who aren’t trying to qualify based on personal income. • Lower monthly payments = higher reserves and more stability.When investors refinance to reduce their payment, they’re not just increasing profit.

If I do accept TRA, some of the personal info requested, I do not feel comfortable submitting through the tenant.

Personally, I took over for a landlord who no longer wanted to work in a rapid growing area in Brooklyn (Greenpoint) and building value grew 300% after they left (over the following 9 years).

.- Structure - closing in business or personal. - Insurance - ensure general liability is good.

DSCR Loans (Debt Service Coverage Ratio):Approval is based on rent—not personal income.

I give each house a cap on utility usage, anything over I split amongst tenants, I enforce rules, WiFi in charge $25 per person.  

This is a very common issue with aged persons striving to stay in a residence not capable to fit end of life aged needs.

If I were a guessing person I would say it should get City planning staff support for compatibility but then again that's one reason I want to see an attorney.Thank you for your input James.

First, you are almost certainly NOT personally liable, but the value of your property is significantly affected by the judgement. 

If you’re experienced in commercial deals (or can point me to the right person), please reply or DM me.