There are thousands of Lenders out there which provide different DSCR loan selections and everyone is going to have different rates and terms and costs which can become very confusing. 

(Hence the “owner” can’t be paying rent or collecting rent without living there.) 

"Could this be a time to pickup a decent property for a bit of a steal there (at least relative to how crazy high the market has been recently)"Yes exactly

I'm thinking to use something that need to be paid or if there is a great free website let me know .

Has there been a third-party appraisal done on the property or has Huntington given you what they estimate the value to be?

There's no point in asking for directions if you have no idea where you want to end up.Once you have a starting point, destination, and your mode of transportation, ask some questions and we'll be happy to help!

Even if there isn't a lease in place, underwriting can use market rents from an appraisal to qualify.

Are there no actual owners on BP? 

Do Investors still have interest in rooming houses? Rooming houses usually don't get to take advantage of sporting events, concerts, festivals that usually result in spikes in rental fees and more profits ( and glory)...

Perhaps there are other ideas to compare to?