In the end, buyers would overpay for the actual property based on earnings.

I am based in Virginia and licensing requirements here seem manageable.

I don't get the term "DSCR loan"   I mean all loans for 5+ units are based more on the property than the buyer.     

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I love that you’re already narrowing down specific zip codes and doing your due diligence.I’ve heard good things about 73170 and 73135, especially with the proximity to Tinker Air Force Base, which tends to attract stable tenants.

Today’s buyers want spaces that flow naturally and maintain functionality.

Based on the knowledge and experience you have, would you consider this strategy if you had to go back at my age?

I contacted ALE solutions on Friday through their housing request form and just resubmitted with a longer term minimum based on what you stated here.

Based on your situation, you will likely need to recapture the depreciation when you convert the property from a rental (STR) to your primary residence in 2025. 

Based on my current savings rate, it would take me about 3-4 years to save up enough for the down payment on my first investment property.