Jumping in again to opine.. if you go with lvp, you need to use the more expensive higher quality stuff.

Tax ConsiderationsSTR income is taxed higher than LTR, but deductible expenses (e.g., repairs, furnishings) can offset this.

Cap Ex expenses will bite you but it sounds like you have two of the big ones already accounted for.

As long as your out of pocket expense every month is equal to or less than what it would be if you rented somewhere else then you are still technically ahead of the game.

I can see the income and expenses for each property via my statements rather than multiple income and expenses under one account and trying to match which property they correspond to.

And my current DTI is basically zero as I have no outstanding debt or living expenses right now.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

Violating these rules can lead to severe IRS penalties, including disqualification of the tax-advantaged status of your retirement account.Each self-directed retirement account must have sufficient funds to cover all property-related expenses, as you cannot personally pay these expenses.

WE dont want to pay for this which is very expensive service, we did not authorize it, he knew we were hiring someone, he did not want to wait for our exterminator, because it was "emergency." 

In short, it is highly possible a much more expensive neighboring home could be paying less property tax.What is much more relevant is comparing assessed value to assessed value.