Quote from @Jules Aton: I may be in the minority and as a small landlord it is easier but I tend to be flexible with good tenants who have the occasional struggle. 

And sellers need to be more flexible to close the deal.That's why almost half of homeowners are making some type of concession.

Like every other loan option, DSCR loans have advantages and disadvantages.Advantages:Easier to qualify: Lenders focus on the property’s rental income instead of the borrower’s personal income.No property limits: DSCR lenders don’t restrict the number of properties you can finance.Ideal for international buyers: Most international clients don’t qualify for conventional loans, so DSCR loans are often their only financing option.Disadvantages (compared to conventional loans):Higher interest rates: DSCR loans typically cost more than standard mortgages.Larger down payment: They usually require more money upfront.Cash flow requirements: If a property’s rental income doesn’t meet the lender’s debt service ratio, the property may not qualify.Not for primary residences: These loans are designed for investment properties only.In short, DSCR loans provide flexibility but come with higher costs, larger down payments, and stricter rental income requirements than conventional loans.Are DSCR loans for short term or long term?

When FHA changed citizenship requirements for eligibility, many Non-QM lenders filled in and made loan programs with flexible citizenship guidelines.  

It’s a smart way to start building equity while keeping your monthly expenses lower.If the property needs renovations, you’ve got some flexibility too.

Good question — that one comes up a lot.The main reason some investors prefer DSCR loans not to report to personal credit is flexibility.

Investors aiming for stable, consistent returns with lower risk should lean toward LTR, while MTR offers flexibility but may come with more management complexity and vacancy risk in these markets.You can start here, here, or here, for some basics.Are you thinking about construction of such options, or more like acquisitions?

Others look at commercial lenders or small local banks that are more flexible with LLC-owned property.

I just need to learn to be flexible and creative, which I hope to do from engaging with the BiggerPockets community. 

This can be especially powerful if you qualify for Real Estate Professional Status (REPS), Short-Term Rental (STR) classification, or Active Participation, since those statuses can allow you to offset W-2 or business income with real estate losses.So whether you’re thinking short-term resale or long-term rental, the basement gives you some nice flexibility from both an investment and tax angle.This post does not create a CPA-client relationship.