I’m based in Utah and plan to invest in long-term rentals in UT, OK, and/or TX.

Based on what you've told us, your rate should be at prime (7.5%), unless you are over 80% LTV, then it would be prime +1.Jeff

More on DSCR loans in case helpful: DSCR loans won't use your income to underwrite the loan.DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

Quote from @Rafael Ramos: I’m Rafael, a business owner based in Florida, and I’m looking for some advice to craft the best real estate investment strategy.

I was very happy with the first management company and then widely disappointed based on the expectations that were set by the first one.  

Based on the information that you shared, if you haven’t already done so, I recommend connecting with a local expert.

I also completely understand the frustration of navigating through "Joker brokers" and fake lenders who promise more than they can deliver—one of the biggest challenges in the industry today.Regarding your approach to accrual-based repayment options, that’s a huge help for flippers managing tight cash flow, and it's great that you offer that flexibility.

He is regarded as the STR expert in the area but he has used every strategy in the book, and should be able to point you in the right direction based on your goals!

Even if rents are trending up, if your tenant base can't make ends meet, the asset won't perform.

Tom, Based on what you've provided, if the property was held over one year, you'd be subject to the long term capital gains rates and any depreciation that you took on the property in the past would have to be "recaptured" (Added to your income) at the short term tax rates (but it will not exceed 25%).