When you have STR like airBNB or VRBO DSCR does allow that income unless you can provide a previous 12 month rents received or a print out from VRBO.The alternative to that is if the lender or UW will allow the appraisal to use MTR/STR income/rent schedule if the rents and property is common to the area in terms of rent available for the apprasier to show proof.My advice to you is make sure you do your home work and deal with a seasoned Banker or Loan officer that funds multiple DSCR loans per month. 

For a line of credit ask for the business banker at your local bank and discuss a business or commercial line of credit.

My banker explained that they went to the board and they had turned down the loan.

My CPA and banker told me this is not needed.

The best training will likely be at Coldwell Banker, Keller Williams, @properties, or as I mentioned earlier The Apartment Source (Specifically for leasing). 

Primary you can go as high as 90% CLTV and investment 80% Max LTV but with most DSCR or lenders 75% MAX investment.Best way to map this out or to make sure your taking the right steps with the right property is to have a long conversation with a Seasoned Banker and your realtor. 

Talk with your banker and the accommodator. 

While the MBA has lowered its growth projections, the overall outlook remains positive for 2024 and 2025. The CRE lending market is expected to recover gradually, with opportunities emerging as interest rates stabiliz...

As one banker so eloquently put it: "A rolling loan gathers no loss." 

If you go with Wells Fargo - you are at mercy of a banker you are talking with.