I am learning a lot about the business that, had I not gone through this process, I wouldn’t have learned nearly as much.

You are correct, it is common for DSCR lenders to require the borrower to be a business entity in Florida, and some other states sprinkled across the US.

Cities with high crime rates struggle to attract new businesses.

I am not aware of a FSBO business website.

They take good care of the properties, but there's not enough attention given to pricing strategy and they spend money like nobody's business (not a problem when they were spending their own money on the master lease model, but a BIG problem when they were suddenly spending OUR money as the PM).

If the use of the funds are for business purposes, like investing in real-estate, you will have an easier chance of qualifying for a loan documentation and income wise.

Our goal is to have a short term rental business and build it over the next several years.

https://www.biggerpockets.com/business/finder/agents

However the owners retired and her team left when she sold the businesses.

For a company new into the servicing business, they are off to a very bad start.