Having spent two decades in risk mitigation, reduction of liability and safety over all else (even profit, especially profit) is not only a smart way to operate.

Homes priced between $350,000 and $500,000 saw the steepest markdowns at 21.6%, while luxury properties over $1 million were less likely to see reductions, at just 13.3%, according to a Thursday report from Realtor.com."

They also hate negotiating even a slight reduction from the asking price. 

Fun fact, when you buy a home with gold, it's now cheaper than ever.Some markets in the South (TX, FL, AL, AZ...) are currently going down a little, but a 2% or 3% reduction does not fix affordability.

Increased pricing along with LTV reductions, and even reserve requirement increases are all stricter as scores get lower. 

More days on market and a price reduction never helps market a listing.

I would have to write a 1,000 page essay to cover all the really innovative new products hitting the market, but all this to say, if you are considering a DSCR loan but are concerned about locking into that rate for 2,3 or 5 years with potential rate reductions on the horizon, I would definitely ask your lender what other products or programs may be available because there is so much out there right now.

Also any investors that this seems like an interesting idea to, I would be interested in chatting I do not think you are gonna find better than waht you are paying. you could start a fund with accredited investors but by the time you pay the costs to set it up and run everything and reduction in what you pay will get chewed up in fees. you could also sell the CFDs after the fact (but not many cfd buyers nowadays due to too many lawsuits). 

We've had to educate owners with data showing increasing DOM and are getting more aggressive about rent reductions and/or MoveIn Specials.

I like@Patrick O'Sullivan ,@Aaron Zimmerman , &@Ashish Acharya 's posts.Over time as investors, we should always focus on capital preservation & risk reduction.