This negative position can consume years of cash flow to recover.

From the view of the consumer WHO CARES?  

This caused a historically unique opportunity for investors - they could buy Class A properties and immediately cashflow when renting them out.This couldn't last forever, and it didn't, as excited new investors drove up prices.

Swimming upstream against the rules and regulations can be difficult and time-consuming so it's best to stick with what works in your favor.

There are some risk trade offs like “all eggs in one basket” versus fewer turnovers and guest liabilities and consumables. 

You have maybe two years to really give it all you got before many will be outsourced by tech and doing a real estate deal will be like buying an iPhone online, it'll be a new wave of consumer tech.

This ensures they have all tradelines, inquiries, and public records.FICO® Mortgage Scores (Classic Models): Unlike consumer apps (Credit Karma, Experian app, etc.) that often show VantageScore, DSCR lenders rely on the classic FICO mortgage scoring models:Equifax Beacon® 5.0Experian®/Fair Isaac Risk Model v2TransUnion® FICO Risk Score 04Middle Score Method: Just like agency loans, DSCR lenders typically use the middle score of the three bureaus for qualification. 

If you do not think having 60 people in a house likely consuming alcohol is neither a concern, contributes to more added utility cost and wear and tear I do not know what to tell you, agree to disagree I guess.

I spent a few years paying off all consumer debt so I'm a proponent of that strategy. 

I did the DIY - too time consuming.