You will need to utilize a fix to rent loan, then after the rehab is complete refinance into a DSCR loan.

I still have to see what's happening with utilities, but right now it would cashflow anywhere from $150-$300 (depending on the loan type and DP we select) with a CoC ROI between 9.9%-10.8% (lower than some other options we're looking at, but it already has tenants...)Thoughts?

The property has been owned outright for over 70 years, has had the same tenant over 50 years (a utility company), and we are looking at taking out around 40% LTV, and the mortgage payments would be covered 2-3x by the rental income, so very stable, safe lending situation. 

Understanding this, there are three reasons why single family investors fail to maximize the potential utilizing the  SFH investment strategy: (1) This investor buy SFH's singularly focused on cash flow and ignore the fundamentals that are strong indicators of market appreciation and the transition event to higher home ownership.

Arms, IO, fixed are all options presented and quotes can be adjust based on what your goal is such as utilizing buy down points for a lower rate, adjusting the prepay penalty to get the rate up or down.

The market rate for a full-service STR co-hosting company is 25% gross after cleaning fees.On average the following would be included... 24/7 guest communication, vender oversight, weekly updates on the OTA listings, make sure maintenance and deep cleanings get done...but owner pays the expense, stain removal on linens, marketing the property, keep supplies stocked...again owner pays the expense, keep property guidebooks updated (digital copy and hard copy), security (locks, cameras etc.) oversight, bi-weekly pricing software management, walk the property regularly, provide monthly reports, and obviously any guest problems that arise time to time.

Thankfully I don't have any student loans, so I'll be able to utilize my income to its full potential.

Once I had their agreement I called the guest who refused to answer, so I called the cabin phone and let it ring for like 2 minutes until someone finally answered.I explained they knew the house rules, they signed my digital rental agreement that clearly spells out max occupancy and they signed up in the OTA with 7 guests, but only listed 6 people on the digital RA.  

In our climate, as yours I assume, its definitely worth separating utilities.

In a rental I manage, we did see about a 40% higher rent for a furnished unit, but may see some higher vacancy periods and tenants probably expect more included (utilities, internet, etc), but agree it's something to consider.