Whether he's legally living there according to HUD is unknown.

Hi Bob, for me there are still a lot of unknowns as first time investor.

I think it depends on your goals and the unknown. 

Coming from the high education arena, I am an avid researcher first before diving head into the unknown. 

DSCR is important on multiple fronts as I am investing for real cash flow and not a projected exit that relies on multiple unknown inputs.

Which may not be easy for your CPA to estimate since it's a newly acquired property with an unknown performance.

(The lender will also be asked for other information such as how much the interest is accruing on a daily basis since it is likely unknown exactly what day the loan will be paid off at that point; wiring instructions; notarized reconveyance paperwork; etc.)- Once the home is sold or refinanced, the lender will then be paid off in accordance with the "Demand" and wiring instructions he/she previously provided. 

Sheesh...Look at this post by @Rhett TullisThis is the kind of stuff I worry about having some unknown person living there.

Somebody wanting to sue for you backing out of a bad deal or accusing you of selling them a property with defects like unknown termite damage).

Now that we're about to move all my efforts over to this property since the 1st is complete...my wife and I are nervous to begin to drop that 75k into it, because of the unknown corvid 19/economic forecast.