Is your tenant month to month or in a long term lease?  

Listing your property there ensures visibility.Build Relationships: When agents reach out, respond quickly, highlight your property’s amenities, and showcase your flexibility to meet displaced families’ needs.Highlight Insurance-Friendly Features: Emphasize features like flexible lease terms, utilities included, and a fully furnished setup to attract insurance placements.This approach has helped me successfully market to insurance companies.

Do you and your husband have any kind of long term strategy in mind?

Nonetheless, you can base the DSCR calculation on PadSplit rent (if there's a history of PadSplit income being produced) or short-mid-term market rent (an analysis done at the same time of appraisal).

If upfront savings matter, closing personally and transferring later may work, but if long-term protection and simplicity are priorities, paying for an LLC loan upfront is worth considering.

@Emily Shin landlord experience is invaluable for a career in rental real estate.It's not something you may want to do long term, but the experience can help you select and manage PMCs.

Jessie Vasquez is in your area and is a very successful MTR investor and coach.

A short-term rental with a stay of 7 days or less + Material participation =also non passive.

Expect 30-year fixed terms for the most part.

But, I always try to get my borrowers to qualify for conventional because the terms are better then on a bank statement loan.