If that's not what you're looking for, Carrot sounds like a better bet (I'm not familiar with that product, just from what people are saying).

There's one thing, though - I bet it's 10X the BS of any other guru!

I am looking for a property that fits my short term rental business needs, so far sticking with properties that are unincorporated and not part of any HOA are the best bet for the longer term.

Your best bet is to list it in the open market (MLS) with a local agent, with the option of furnished or not, and be prepared to have to clear it out should a buyer not be interested in your personal items. 

DSCR loans, while still a relatively new product, continue to expand in use and popularity for investors looking to achieve financial freedom through real estate.

I bet I can get $95k.”

The seminal book on the strategy, 30-Day Stay, published here on BiggerPockets and written by MTR pioneering investors Sarah Weaver and Zeona McIntyre, has helped popularize the method.

So with that disclaimer out of the way… Tulsa is a fairly safe bet.

I bet you have enough stories for a paperback

My point was that in the short term… until rates come down, you might be better off taking the safer bet of money in the bank given that you would see about the same cash flow, without the need to refi in a year… especially if you can’t even find a cash-flowing property in the first place.