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.

Seasoned Properties:If the property has been stabilized for a while with strong cash flow, some lenders may be more willing to work with 15% down at competitive rates.If you'd like, I can help you connect with lenders or offer guidance on how to structure your DSCR loan with less money down.

Location, Location, Location is really the best start to ensuring your jam packed throughout the year and not just seasonal.

My off season was the slowest since the Great Recession.  

Flexibility for New and Experienced Real Estate InvestorsWhether you’re new to real estate investing or a seasoned pro, DSCR loans offer flexibility that can benefit both types of investors.

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

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).

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

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