Be sure to investigate the varying product types. 

Are there lenders that will lend on the product at competitive rates that are similar to current 30 yr sfh amortization?

Since they notified you of this, you should get it taken care of as your insurance may not cover a claim if there is an accident because it was a known defect.

I wasn't going to respond since the more people who use the product, the more competition I have.

Welcome to the forum @Chris Primavera.Seeing as you are brand new today, it would be good for you to search on the forum for those areas and read everything there is about those markets.Grab @Avery Carls book Short Term Rentals Long Term Wealth and read it. https://store.biggerpockets.com/products/short-term-rental-l...It is chock full of info that you need.

Yes there are products that can up to 80% LTV for DSCR with 6 months reserves.

However, we typically use the FHA-203k loan because it involves a renovation, which I highly recommend if you are looking to really boost your equity and have the cost of the renovation wrapped into your loan with a VERY LOW AMOUNT OUT OF POCKET.I like the FHA loan, but honestly, the Fannie May Home Style is an even better product at this point because you just have to bring a bit more cash to the table 5% vs. 3.5% (w/ FHA), but you have a bit more flexibility.  

I personally think sevier county is one of the best areas in the country to invest in both now (if you pick the right product) and especially long term.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

As someone who deals and talks to real Private Lenders (small shops run by a guy who lends his own capital and doesn't use big box), they have a hard and fast business model that produces the rate of return they need to remain profitable and curb the risk on their cash.So the best product for a budding fix and flip investor is the bridge loan which includes acquisition money and construction money.