Sept is also low season in FL, and we are going through an over saturation of hosts in many areas.  

There is a lot of loopholes, tips and tricks to take advantage of so just keep having conversations with seasoned investors, Realtors, Bankers, GC's.

My off season was the slowest since the Great Recession.  

I am most familiar with fixed rate PPAs with rates that change by season (monthly summer, winter, shoulder) and time (hours on-peak, off-peak).

I live in a 4 season mountain town and we were only able to generate about 30% occupancy.

When you have STR like airBNB or VRBO DSCR does allow that income unless you can provide a previous 12 month rents received or a print out from VRBO.The alternative to that is if the lender or UW will allow the appraisal to use MTR/STR income/rent schedule if the rents and property is common to the area in terms of rent available for the apprasier to show proof.My advice to you is make sure you do your home work and deal with a seasoned Banker or Loan officer that funds multiple DSCR loans per month. 

I can refer you to some of my seasoned self-storage clients if you send me a direct message. 

I am a new real estate investor who is looking to close on my first deal in the next 2 weeks and I want to be prepared for tax season.

My understanding is that a gift cannot be used as a down payment for an investment property, so my thought is to wait 2-3 months before applying for a loan, to season the funds. 

Profitability varies based on location, seasonality, additional costs, occupancy rates, and reality checks.