They are functional while frustrating. 

Doesn’t need to be high-end, just functional and clean.For rent comps: Furnished Finder and Airbnb (filter 28+ nights) will give you MTR rates.

In this case, multiple risk factors are lining up at the same time:• Weak landlord verification• New business income with no tax history• Wants to renegotiate upfront terms• Cash upfront now, promises business payments later• Co-signer is “possible,” not confirmedThat combination matters more than any single item.A few thoughts from experience:Do not relax your written criteria mid-process.If you require 1.5 months deposit and a co-signer, stick to it.

We build for long-term tenancy from day one.Durable rehabs, simple finishes, and functional layouts matter more than aesthetics.

The problem I'm solving is actually a layer above operations, it's portfolio/property-level intelligence rather than property-level management.Here's what I mean: My data sources are from Zillow, FRED economic indicators, Census demographics, etc. combined with automated transaction pulls from bank accounts and lenders.

Many investors use a combination of Hard Money and their own cash for rehabs and then refi using DSCR. 

@Kitty Walker- As an investor, I've refinanced multiple Padsplits and co-living properties (where we go direct to tenant without Padsplit), and I generally agree with your last statement, with some caveats:- if the renovation is done well, the appraiser may not even say anything that would indicate it is an "abnormal" SFR (has happened multiple times with me)-the investor may be wise not to make the house crazy- just leave a nice open living room, put double doors on the dining room so it can function as a bedroom now but be easy to convert later, etc.  

The marketing functions is where the very host cost comes in.

Obviously your goal is to widen the spread, so focus on what you can control  Expenses are also a function of market, as some of my properties have taxes at 65% of total expenses, while others are 15%.

(Consolidation, Extension, and Modification Agreement). it combines the existing mortgage with a new mortgage.