Many loan officers who work primarily in the owner occupied space will try to argue that DSCR is more expensive and have higher rates, but that is simply not true in most cases. 

We simply wanted to keep it and turn in into asset (long term).

I was simply showing where I was and how I got there, not how someone else should do it, they might need more money.

win-winBest of luck

They are simply more sophisticated and have greater resources to conduct more thorough diligence. 

Win that person over with logic and patience, and DIRECTLY address his/her/(it's?)

I will win…of that I am supremely confident.

STRs in their current form are simply big hotels, and legislation has been slow to catch up because in their original form they were more conducive to residence (someone crashing on your couch for $39/night).  

This would include money normally budgeted for a traditional loan payment + money simply not needed (positive cash-flow).  

According to a recent Redfin survey, 23% of prospective 1st-time buyers said that they would wait until after the US presidential election to see who wins and what’s on offer before buying.