I am a real estate agent and live about 30 minutes from the city, but I haven't done any deals as an investor or agent within the city limits.

So with that disclaimer out of the way… Tulsa is a fairly safe bet.

I have a limited network based on Bigger Pockets, primarily found in the United States.

As long as the property generates enough cash flow to service the debt, you qualify—without the need for personal income verification.This type of loan is ideal for those serious about growing their real estate portfolio, especially if you’re self-employed or have irregular income streams.Why DSCR Loans Matter for Real Estate InvestorsWhen it comes to real estate investing, traditional loans can often be restrictive, requiring personal income verification and imposing limits on the amount you can borrow.

I think your best bet here is a DSCR cash out.

If you happen to be in a LIHTC area, then I do have an impact lender who might do a OTC loan, but it would be with limited recourse options.Non-Recourse options are very tough to find these days, even at banks. 

Ignoring short-term bridge loans, most commercial loan sizing is limited by DSCR, but they are not called DSCR loans. 

Note that my experience is limited to NC, SC, VA jurisdictions, so keep that in mind when reading this or my other posts about solar. 

Plus, in FL, property managers are very limited in what kind of an eviction they can file.

The period during which it was rented as an STR may allow for partial deductions, but transitioning it to personal use would limit the amount of depreciation you can claim going forward.