Eventually we plan to rent the ADU for Medium or Long Term rental, and not sure if DSCR loan will qualify for such an arrangement.

Your limiting factors are the width of your expectations and reality, but that doesn't mean you cannot start somewhere.

We actually end up booking 1 of our 2 bedrooms for medium term pretty much always, right through the airbnb platform.

You could try getting a HELOC with your primary and using this money as short term funds to acquire rentals that need a light-medium renovation using 100% purchase/rehab hard money and just using the HELOC to pay points and holding costs.

The idea behind year long leases is to avoid short and medium term rentals.

My gut tells me that Texas, particularly Austin and Houston, could be where the next wave of growth and expansion occurs, mainly driven by strong business and job creation trends.Here’s what I’m looking for in my US investments:Free-standing houses with a good land component, at least 3 bedrooms and 2 bathrooms, and in well-maintained condition.Budget : Will have to keep a factor of safety for the current exchange rates of AUD.USD = 0.68 so will cap our budget at 250K- 300K.Yielding over 6%, with a slight cash flow positive outcome, while also offering medium-term capital appreciation potential.Holding for at least 5 years or more, with a view towards steady growth.The long-term goal is financial independence, reducing reliance on salary-based income, and building assets during this accumulation phase.Debt reduction is on the horizon—looking to consolidate and start winding down debt within the next 7 years.If anyone has experience investing in the Texas real estate market or any tips on navigating US property investments, feel free to share your thoughts!

Medium and high density housing addresses land issue. 

Hello colleagues, we manage a medium size apartment (73 units).

Not exactly medium term but something to consider.  

We plan to restyle and market towards that medium term market.