Normally this is my busy season with upgrading fabs, etc.

Hey Julian, As others mentioned, DSCR loans will be underwritten based off of the appraised value or cost basis (purchase price + documented rehabs) depending on seasoning period when you are looking to refi.

- What dates are considered in season/out of season for Pigeon Forge?

Especially in extreme climates where it gets very cold or very hot seasonally.

But because I'm still relatively new to investment real estate, I was assuming I was missing something obvious that seasoned pros know that I don't.

Call me crazy but we wash every turn we use light weight quilts but soon we will move to Duvet covers when we refresh during slow season. 

Holiday season is more challenging for us, Christmas and New Year.  

They don't provide tax documents on time, which cause significant headaches. they don't provide proof of cost mitigation studies unless you threaten to sue.I am a seasoned investor and I got duped in their flowery talk.

One big property is near Four seasons resort Seychelles.

HI Mario, on a primary you might actually be able to get to 90% depending on credit, income, property type and seasoning..rate might be more tolerable than you're thinking..