While vacancy can be an issue having a reserve fund for vacancies and maintenance can offset those.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

I have my primary residence single family home paid off in full Zestimate ~$500K, and no other outstanding loans for cars, schools, credit cards, and in good financial position with 2 years of reserves for expenses, etc.

They also do not use most Heloc's since its "Not" a liquid reserve instead its a debt burden.

I would spend some more time on building capital so you can make sure you have money for reserves if things go wrong. 

I have stayed in STRs that provide local guides of top restaurants, activities, stores etc.

I'm waiting until i get more capital and cash reserves to have for when i do purchase, so in the mean time ive been looking briefly on the property's my real estate agent has been sending me. essentially i was wondering what should i be doing while I'm waiting and working towards my first purchase.

Let it crash and the HYSA & Tbill holders can scoop up after tapping some reserves to survive.

We toured their facility & having done a lot of rehab etc I was impressed with the construction & designs.At the time we visited they were building components for a commercial with high end units above a store front strip that was very well done.

I was happy that she didn't try to ask for a refund, but a bit thrown off as to why she would make a reservation and never check in.