Some will even pitch in on value-adds and improvements if it helps their bottom line.It's not the right fit for every property or market, but for owners who want truly hands-off income with someone more directly involved than a typical PM, it's worth exploring.

Quote from @Nick DiSanza: Most DSCR issues I see don’t start with the lender — they start before the deal is even submitted.The biggest mistake is assuming DSCR is just a rate and leverage decision, when in reality it’s an underwriting and structure decision first.A few examples I see regularly:– Deals modeled off optimistic rent assumptions instead of what an appraiser will actually support – Taxes and insurance estimated too lightly, especially in states where reassessments jump post-purchase – Choosing a DSCR product that doesn’t fit the property type or market nuance – Treating all DSCR lenders as interchangeable when their expense and rent treatment can be very different When DSCR deals stall, it’s usually because the structure didn’t match how that lender underwrites — not because DSCR “doesn’t work.”Curious what others are running into right now.

Cleanliness is an important element so you can address it as you see fit.  

From a lending perspective, DSCR loans are a strong fit for what you’re doing in Iowa, especially for buy-and-hold, value-add, and BRRRR strategies.

It’s more about how all of the pieces fit together at this stage, including existing cash flow, leverage across the portfolio, insurance coverage, and long-term intentions for our primary residence.I appreciate you bringing this up.

Borrow Better.If you’d like, share a couple of active listings that fit your Buy Box and I’ll run a quick, beginner-friendly deal snapshot with DSCR, cash flow, break-even occupancy, and a “what-if” on rates and vacancy so you can compare options apples-to-apples.This analysis help is based on assumptions and publicly available data and is for informational purposes only, not financial, legal, or tax advice.

Maine does have income tax and with what you are looking at for income, I'd encourage you to look into and likely come to the conclusion that NH would be a better fit for you. 

I’ve been connecting with a few people in the space and would love to trade ideas and maybe even match buyers and sellers when the fit is right.

That way if you happen to find the perfect fit on your own your good to go, but if you continue to struggle a professional is on it and will hopefully find someone faster then you can on your own!

A common approach is to keep your primary purchase conservative so it fits your lifestyle, then separate investing from where you live so you’re not forcing deals to work in a high-cost market.