They have more skin in the game then you do.Make sure you get clear title.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

In 6 months it won’t make a difference - perfect example of this business being the “long game”. 

I don't believe he is a member of this forum, but he does great, detailed, and well thought out work, and has been in the game a long time.  

I was always interested in dipping my toes in the short term rental game.

If that makes more sense though by all means I’m open as I am brand new to this game.

Quote from @Cameron Porter: I’m already an agent new in the game.

Development projects can vary from a 1-lot Single Family home to 20-acre subdivision, to a 4-acre commercial site, etc. 

Oops, game over, you lost.

One of my favorite authors, Nicholas Nassim Taleb, sold me on the concept of Skin in the Game and holding all pundits accountable for prior predictions, myself included.