Pent up  demand is a farce, you want to rationalize what is legitimate demand. 

If not, pay off the mortgage all at once.This will help keep you from rationalizing a bad rental purchase just because you earmarked the funds for it. 

Its a tough subject because logically, they are joint and several guarantys so rationally a 100% guaranty from each of two people (one 740 one 680 for example) is ALWAYS going to be better than just one 100% guaranty from someone at 740 (so it wouldn't make sense to have a better rate for the latter)The problem is that there is fraud and "straw borrowers" out there where someone who is not involved in the property signs on to boost score and terms - so many DSCR Lenders in response either do the "non-rational" thing and price to the lower to avoid the fraud or use the higher of the two (and either be a little loose with things or just stay vigilant on any funny business)

I've had HUD forms filled out billing me for pro-rations that were the seller's responsibility, agents who have lost track of contingency removal dates, ... the list goes on and on.

There is no rational debate I could ever have with you, because you ignore everything negative relative to crypto. 

If so, the income on your tax returns will be positive so the whole rational of trying to avoid the income is moot. 

Then you will be informed enough to make a rational offer on the property. 

Do you think my thought is rational or am I too pestimistic about housing market? 

I just do not see any rational/benign reason for them charging so much in deposit up front considering that the house has not sold for 6+ months and I will be able to close relatively fast. 

This isolationist rationalizing that US is the greatest because we were the greatest and there for we will always be the greatest is just IGNORANCE-squared.