If you are a member of the Arizona Association of Realtors, you have the right to use the forms.

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 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

Contract signings jumped, home prices showed early signs of acceleration, and jobless claims dipped — a combination that paints a more optimistic picture heading into 2026.Here’s what stood out and why it matters 👇Pending Home Sales Jump in NovemberPending Home Sales rose 3.3% month over month, marking the strongest pace in nearly three years, according to the National Association of REALTORS®.

I need a comprehensive solution that can:• Track the property from the initial purchase through ongoing management• Record and categorize all rental expenses• Allow me to scan and store receipts digitally• Monitor additional costs associated with the properties• Track rental income and proceedsI would appreciate any recommendations or suggestions you might have. 

There are several groups including TREIA, Rockstar networking and Association to meet other fellow agents in the area. 

When investors rely entirely on third-party property management and vendors, those properties can rarely comfortably absorb normal operating expenses, capital expenditures, vacancy, and other costs associated with real estate ownership.I understand that some people live in markets where local investing simply doesn’t work.

Check out Triangle Real Estate Investors Association (Triangle REIA) and BiggerPockets groups in the Raleigh/Durham/Chapel Hill area.

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 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

As far as estimating the risk associated with it, well that entirely depends on the structure, counterparties, and whatever other variables.

Groups like AZREIA (Arizona Real Estate Investors Association) are popular because they attract both new and seasoned investors, plus lenders, agents, property managers, and contractors.• Networking with investor-focused agentsEven before you’re ready to buy, connecting with an agent who works with investors can give you a ton of market insight — especially on which submarkets still cash flow.• BiggerPockets local threads and PHX Facebook groupsThere are active Phoenix-specific groups where local investors post deals, contractors, and market updates.