Prioritize due diligence, including a thorough property inspection, financial analysis, and legal review.

Given these numbers and solely financially speaking, should I sell or hold the property?

These institutions might be more flexible and willing to work with your specific scenario.  

@Mark Alford I see a few lending institutions that I’ve worked with in the past that are offering this.

Financially speaking the issue is that deferred capex will exceed cash flow over time. 

Generational wealth starts with me and I'm on a journey to build a better financial future for my children. 

Plus, the sync issues with financial institutions drive me nuts.

Saugatuck city has just instituted a cap on STR yet it is in the infancy stage. 

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

My assumption has been DSCR is the main driver, coming from my institutional experience (larger deals) we usually target a 1.2 and over DSCR.