I thought owner occupied loans are supposed be lower interest rates then non-owner occupied loans or DSCR loans also I asked the lender if she could adjust the purchase price to $750,000 to see if that would lower the interest rate and the interest rate actually went up to 8.625% and pay 0.353 points I'm thinking I should find a mortgage broker that can quote me with multiple lenders to shop the rate and loan costs instead of a direct lender Thank you for the help!

So, if your property is worth $120k today, the assessed value should be $100k adjusting using this common level ratio.

I have adjusted my numbers and looking at 6.83% so came to the same conclusion.We actually own a 20 acres adjacent to the 3 acre lot and plan on building our dream home there.

If you need to manually hand over your website it means your website is simply not performing and that is the first thing you need to change.Do not bother with anything else, until your website is performing.

I asked the owner to review it because a number of the comps were definitely outside of the area and the adjustments didn't make sense.

You should take a few minutes to manually check  good comps on Vrbo and Airbnb. 

Then you can adjust accordingly.Second, and most importantly, your calculation of cash-on-cash return is incorrect.

The zoning board can impose fines. also need to adjust lease agreements to reflect tenants status. in the end, with how lenders reflect potential rental income v mtg (dscr) harder to qualify the loan. 

IMPORTANT:--Guest communications, including setting up your automated messages--Price adjustments (key into seasonal pricing and important events in your area)--Listing description and noting amenities--Guest reviews--Learning from experienced hosts with great reviews (you can do this on many social media sites, including the Facebook group, Short Term Rental, Long Term Wealth)UNIMPORTANT:--Watching your Ring Doorbell camera--Obsessing about minute details that other hosts are freaking out about--Being a control freak about ANYTHING related to this business. 

Study up by reading through articles, forums, podcasts, and manuals to get the most out of your real estate investment experience.