And 25% of the gain is cut as a check directly to the two of you. 

With the potential for a Fed rate cut on the horizon, it's a great time to consider refinancing or purchasing a home.

Now the fed is expected to begin cutting rates and we may begin to see greater separation between bank and alt. lender rates but if the fed cuts rates slowly as predicted  there is likely still a window where alt lenders will be competitive, especially in the scenario I described. 

It looks sharp but I do agree with @Jon Martin to add some color and that scuff really does jump out at you.You could add strips of colorful wallpaper or something on the edge of each of the stairs.

For example In Norristown PA, a nearby not good area, section 8 will pay $1300/month for a 3-BR, whereas free market in that area would dictate something closer to $700 perhaps.Paying for tenants is likely on the edge of legality, but I can understand the motivation.

Traditionally, DSCR loans that allowed STR have always wanted DSCR to be calculated on long term rental rates OR 12 months of actual performance or some heavily hair cutted version of Air DNA and all of these products would price gauge on rate.

If I place a super-complainer, or someone that frequently pays late, that cuts into my very thin margins and is my problem...and I don't want folks like that.

If lower rate trends continue and stay consistent, expect the news to reach sidelined buyers and an uptick in buyer activity towards the end of summer into the anticipated September rate cuts. 

the property with the most 3-5 year stuff should be on your short list to sell now if you're cash-strapped and you can at least cut your loss without having to inject more cash. 

Another option would be to look at areas recently damaged from Hurricanes, a lot of Snow Birds will be ready to cut bait on their properties