Short answer:  it is baked into the business model.Long answer:It seems you may be overly concerned on the transitory nature of apartment renters versus single family renters. 

I'm having trouble finding a lender who will do this.Thanks much in advance... non bank lenders who are doing DSCR do not allow 2nds on the back end. they want skin in the game

I'm not just talking about underwriters here, but every single role on our team.I believe that underwriting requires a certain skill set and mindset, often attracting individuals with an analytical and detail-oriented nature.

Totally get the appeal, but 100% financing always feels risky to me—if you’ve got no skin in the game, the lender or investor’s taking on all the risk.

@Craig Cann I had not dealt with soaked carpet pads or wood subfloor but in a generic basis ozone treatment worked for us however I have heard others use enzymatic cleaners such as Nature’s Miracle or Rocco & Roxie are the best in getting them out completely. 

As far as cost, check the natural gas vs electric charges in your area. 

I really enjoyed the process and realized that I have a natural ability to connect with people over the phone and break through some of the usual resistance that comes with cold calling. 

The building currently uses natural gas for heating and hot water.

Low Risk: Disasters & Landlord-Tenant DynamicsKC is notably immune to major natural disasters—no hurricanes, low tornado risk—providing stability.

To clarify, it's a very natural thing to like hearing what we want to hear.