In my experience tenants on the lower end of rent tend to cause more damage than higher price tenants.

The property was impacted by hurricane Helene and there is no substantial damages letter issued (yet?)

If It is a wholesale DSCR lender that also does TRID loans, they might require a bit more paperwork, such as a VOM, mortgage statements for properties currently owned, and credit supplements on mortgages on your credit report.

Aircover is a mild form of property damage insurance where they MAY cover a guest's damage at their discretion, and you will have to fight for it. 

Best bet is to try local and credit unions, possibly may have some programs for better rates.

If you do not get that tax credit its usually not profitable. 

Quote from @Na Wilson: I have a source (depending on credit score) that can do a 90% LTV DSCR loan on non-owner occupied real estate. 

Applicant 1 has 509 credit score.

Insurance typically covers only the directly damaged area, not undamaged flooring, even if it's continuous.

The contractor I hired finished the Foundation work in 4 weeks and tenant started reporting damages, thefts to items in Garage which contractor denied.