Visiting parents and college sports fans are coming to town no matter what, so the key is making your STR feel like the obvious, no-brainer choice.

.🔹 Example in Action:Rental income: $9,000PITI: $9,500 → DSCR <1 (not qualifying)Using $63,000 in assets → Adds $1,045 in incomeNew DSCR >1 → Higher LTV (80% instead of 75%)🔹 Why This Matters:✅ Helps investors qualify for better financing✅ Increases borrowing power and flexibility✅ Allows you to scale your portfolio fasterUnderstanding financing tools like this can be a game-changer for investors looking to maximize opportunities.

Have a Backup Plan: Annual Rental Numbers Matter•Always know the annual rental numbers in case you need to pivot to a long-term rental model.

I've been a host for 5+ years now and have 7 STRs (1 in wine country in NOVA, the rest are in the Smokies if that matters). 

That’s all that matters.

I follow the letter of the law( no matter how much I may not like it) that's part of my risk management and my reputation.

I know a lender that can help with both states that does investment lending for very cheap, it would be worth a connection as you look to build out your team no matter what you decide.

you always need a good one no matter where you at if you are OOS investing. 

I would just go on VRBO (or similar) and look how people design their properties where it really matters (they are trying to rent to daily guests and design/amenities are super important.

Also, zoning and market trends matter a lot more than in residential, so it’s worth getting familiar with Tampa’s landscape.