The fire codes are obviously different in our states but if I were to build a fire escape coming off the third floor It would need to extend 10 feet past those windows before descending if those windows aren’t fire rated.

It does sounds unusual since tax transcripts aren't typically required for DSCR loans.

If you aren't comfortable providing the information, then simply tell the tenant you can't provide a reference....that also speaks volumes.

I don't reward thieves by handing them more money, but that may be the right answer for you since you aren't sure how to move forward.In the future, you should consider hiring a professional property manager.

I currently live in Silicon Valley but house prices aren't feasible for me here.

And out of that 5% there aren't really many options that are in solid locations and well taken care of (or at the very least built as multi family).

I just raised our rates for 2025 and we have about 25 days booked for next season.Our property values are outta sight but there aren't as many STRs as in the Smokies for example.

It can be complicated with the 5 communities that can join the Boulder Lake Club and homes in Split Rock that aren't actually in a HOA. 

Why aren't they keeping it themselves?

PACE loans do take 1st position over the mortgage company so they aren't too fond of that.