Hi Biggerpockets, I've been a landlord for a few months now and I've been dealing with a tenant who reaches out constantly asking for this and that and I've complied with things that make sense but she is also very demanding and it makes conversations difficult to manage.

Quote from @Eduardo Cambil: Hey everyone We recently acquired a single-family rental in Decatur, IL through an Agreement for Deed, and now that it’s stabilized and rented, we’re looking to refinance into a DSCR loan.Here are the key numbers:Purchase price: $56,900Current balance: ≈$50,900Market value (conservatively): ≈$75,000Monthly P&I payment: $729Rented for: $1,200/month (Section 8-qualified)DSCR ≈ 1.65Property in great shape — fully rehabbed, turnkeyOur LLC (Wyoming-based, multi-member with EIN) holds the property, and all payments are current and verifiable through escrow.We’re simply trying to find lenders who can refinance small-balance DSCR deals (under $100K) — ideally allowing payoff of the existing land contract and providing a clean title.If you’re a lender, broker, or know someone specializing in this space (Midwest, small-balance DSCR), I’d love to connect and hear your terms.Thanks in advance to anyone who’s done similar deals or can point me in the right direction — happy to share full details privately or through DM.– EduardoC&T Global Solutions LLC (WY) you would be much better off going to a local lender/bank for something of this size.

@Michael H.it's going to be heavily dependent on your personal situation, and the requirements of an individual lender, but yes, it could make it more difficult to qualify for conventional lending.with that said, a lot of us use DSCR loans and there, your DTI ratio is not a factor.so i wouldn't let this be a blocker to house hacking. 

MoFin even rated me as a “difficult client” — seriously?

I have two stories of sellers that got out of difficult situations and think it's a huge benefit for everyone else to know about it!

Now I have made a living personally funding low balance deals like these.. its my specialty but very picky on who I do it with and markets I will do it in. 

Most STR operators that look to scale look to get into small boutique hotels.It is possible to scale STR's but its more difficult.

Does make repairs more difficult during winter, but contractors can bring propane heaters.2) Tenant Theft- When a tenant with a past due balance is evicted, or leaves before we send bailiffs to remove them, somehow the furnace & hot water tank are missing when we get to the property.

Another way you can do this is Shelby's favorite, rehabbing an ugly property with lots of potential, but that is more difficult if you are moving in. 

I’m based in San Antonio, TX—definitely a solid market for cash flow with a good balance of appreciation and landlord-friendly laws.