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 would expect that a .25bps drop would do nothing, anything less than that or no drop, would actually raise rates and anything more than .25bps may drop them a bit but most of the possibilities have been factored already.Banks don't like volatility. 

Some key factors, or questions I often get from the investors I work with on the buy side for STRs, that you can focus on in your listing, are as follows. 

Also, what are some of the most valuable factors you look for when find the best option to hire?

Financing is always a factor, and we've had the best success lately with assuming in place loans and restructuring the terms following the turnaround of the asset.

The real comparison to make would be between the returns you can get in your retirement account using leverage vs the returns you could get if your account does not use leverage.Taking the funds out of the retirement account as an early distribution can result in taxes approaching 50% based on a few factors.

As we progress through 2024, commercial real estate shows a mixed landscape influenced by economic factors like inflation and labor market shifts.Office PropertiesThe office sector remains strained, with vacancy rates at a record high of 13.8% in July.

Will be sure to look at these other factors you suggest.

You don't need to add risk factors. 

Seller should not be surprised if buyers will now make lower offers than what is listed on the MLS, factoring in the cost of paying for their buyer agent's commission.