@Thomas Barnes 👋🏽Welcome!

Quote from @Wade Barnes: My son wants to buy his first rental, and he's considering a DSCR loan because he's still in school and can't show much income to get a traditional loan.  

You are mixing apples and oranges.

Things may have changed now but when I was doing my 3rd or 4th VA, trying to do an apples-to-apples comparison of a VA and Conventional loan, the Conventional won.

What you’re describing is anything but a frivolous lawsuit.The horse has left the barn, as such closing the barn door now will do little to keep the horse in.  

That’s where commercial can outperform residential if structured correctly, especially early on.Retail vs. office isn’t an apples-to-apples choice.

You don’t need to have an agent, but if you have one it’s one more piece of information.Remember when it comes to comps you need to compare apples to apples.

If their $300k comp needed a full reno and yours is turnkey, you're not really comparing apples to apples.

@Peter Li All of my experience is with larger multifamily deals, so it might not be an apples-to-apples comparison. 

If you dont trust your current lender, go get a competing quote from someone you feel you can trust and then make an apples to apples comparion.