Hi Ethan, I would not entertain the idea of getting more money from this tenant in order to potentially increase your cash flow. 

Check with the lender but my understanding is they will count that potential income as well.

STRs have a huge earning potential but it's definitely something that takes a lot of time, patience, and effort these days.

If something does happen you can at least show AirBNB that you stated that there may be issues and the guests were made aware of a potential problem.  

Quote from @Jeff Roth:Monthly rents for mid-term rentals are about 20% (+/-) higher than unfurnished similar long-term rentals.I would not base the income potential for a MTR on a rule of thumb.

The other potential problem is the term of the proposed renter not sure exactly we are going to deal with their lease when it comes time to sell.  

Potentially lower down needed of 15% with better rate and 6% cap in IPC’s

@Mitch ProvostFrom my experience of working with over 400 investors, your property near Texas A&M in College Station/Bryan has strong investment potential due to the consistent demand for student housing driven by steady enrollment growth.

600+ credit score; income validation; we have potential tenants meet the existing tenants to make sure there is a good fit. 

The property will be strictly for investment purposes, not a primary residence.I’ve been looking into two potential financing options:Hard Money Lenders (HML) – I’m drawn to this option for its speed in closing, but I know the rates can be higher.DSCR Loans – This seems like a great option for long-term rentals, but I’m unsure if it’s the right fit for my auction property since it might need some rehabbing.I’m also considering purchasing through a land trust or an LLC to add a layer of protection and privacy.So, my questions are:What’s the best way to approach financing for auction properties?