But, this house went under contract in 3 days for $20k over ask, with multiple competing offers, in an area where the average days on the market for newly renovated flips is 100+ days! 

What seems to be your case - request a capital call to cover debt service for the next year "hoping" rates go down.

The challenge we're facing is the lack of short term rental data for the appraiser, and we won't know if it will meet the debt service coverage ratio (DSCR) requirements until the appraisal is complete.Has anyone dealt with a similar situation?

Under IRS Publication 523 for 2023 dated February 2024, I qualify as "Service, Intelligence and Peace Corp Personnel" and for "qualified extended duty" (page 4& 5 - https://www.irs.gov/pub/irs-pdf/p523.pdf).

Determine your maximum allowable offer (MAO) based on your investment criteria.

Provide copies to all parties involved.This project-specific agreement works well for one-time jobs, but if you plan to work with subcontractors regularly, I highly recommend having an attorney draft a Master Services Agreement (MSA) for your business.

Do you get any volume discounts or better service due to the volume of your business from the current providers, that might be something to consider. not sure if that is even a thing for lawyers though.

U can check out  ivyridgeestatescanby dot com for my 90 home project in Oregon that I did with my oregon bank and then my website for pictures of homes we built in Charleston SC which is the only market I tagged HML ( lima one) and only one time the rest were done with Ameris bank or Service first bank that is local in the market. its all about the three C's  Character Collateral and capacity..

Our experience is that many lenders/servicer customer representatives may not know the protections that exist for those that want to put asset protection steps in place. 

Once you're narrowed your market to a DMA you can also use some subscription services (i.e.