For long-term rental holds, fixed or amortizing debt (like DSCR loans) is usually a better fit.

Again, the property management is the make or break and it may take some trial and error to find a good fit - that is the hands on part.

There was an additional 20k fee for them to source you properties that would fit their model.

what are the current leases and terms like, and what is the demand for that current use that the space is fitted for? 

That’s a great example of how “by-right” on paper doesn’t translate cleanly into a buildable or financeable outcome.I see the layout issue you’re describing come up a lot on constrained infill sites—especially when max unit counts drive land value before basic test fits or parking realities are fully thought through.

You probably won't cash flow day one but you can seriously reduce your housing cost while building equity.Another angle is the ADU play.

You can limit the numbers/type of animal as you see fit, provided they are not service or emotional support animals.

If your answers point to needing more automation (especially around calls), there are affordable add-ons like Google Voice for call forwarding or free AI chatbots via Zapier, but see what fits your setup first!

The key variable isn’t the program — it’s the credit box.Brokers who only work with 1–2 DSCR lenders will say "it can't be done," when in reality it's a lender-fit issue.If your appraisal is solid and rents support DSCR, the question becomes:how recently it was listed,how far below appraisal the list price was,and whether the lender allows appraisal-driven LTV on cash-out.Happy to share what's worked (and what hasn't) across different DSCR lenders if helpful — this is a common pain point.

The tax savings are not worth buying junk under a deadline.If you share your rough sale price and whether you want more cash flow vs less landlord work, I can suggest 2 to 3 replacement paths that fit.