Some of these alternatives are becoming mainstream; DSCR are no longer “exotic”, and the premiums for these loans have decreased significantly.  

You need to establish ROI under various assumptions, such as value increases (or decreases), rent increases, vacancy rates, repair and maintenance, etc.  

HMC/HLP to work with HOA to decrease deductible to a maximum of 5%.(2) Wind, hail, named storm coverage limit does not meet replacement cost valueAfter I saw your post, I went back to actually take a look at the insurance policy myself.

"oh we will refinance out when the rates decrease, totally not worried about it."

In Arizona, I’ve seen a large decrease in people going to meet ups now.

And what happens if the values of the properties you buy don't increase or actually decrease?

Same said when borrowers attempt to “game” the system, such as filling tenant “vacancies” with leases to an entity the borrower controls made to look like an arms length lease; filing extensions for tax returns so as to not have to provide negative financial information; “creative” financial statements that inflate revenue or decrease expenses; create third party property sales to related parties to establish a higher property value; provide personal financial statements that don’t list all liabilities; or list assets “borrowed” from a third party/. 

refinancing costs money - typically thousands of dollars - so typically you need a large decrease in rates, not just a quarter or half point.but let me know if i am missing something...

@Debra Orringer There are states with population increases and decreases. 

In the event the property experienced a substantial increase or decrease in value during the term, one of the two would be unhappy.