You need to be talking with a broker who has access to a bunch of lenders vs a lender who only has a couple of DSCR outlets. 

How would you keep up with this if you have different tenants every couple of years?

The couple places that pop up are SFHs or (2) bed condos.

But a couple things to note:What happens to real estate taxes when you pay for 1.45mm?  

I've spent the last couple months reading tons about REI (including Brandon Turner's books) and have found it all fascinating.

Recently the thermostat was showing 90 degrees for couple of days and tenant was very upset about it (understandably) and informed me about the excessive heat in the unit.

That, a few podcasts, a few select books, and a couple of subscriptions choke full of info material (less than 100$/month), maybe a couple mentorship programs (for less than 2K/year), and a lot of action on your part and you'll be a lot better than paying $$K for "gurus".To rephrase, do you have more money than you know what to do with or an urgent need to get it to work for you, together with a lot of time on your hands ready to take massive action?

A couple of investor groups seem very bullish on this community and that is pushing the quality of operating STRs up which pushes the performance up which pushes AirDNA numbers up, etc.I modified my Top 10 due to the looming cap on licenses being issued by Tobyhanna Township. 

Generally speaking, I have not seen underwriters look too deep into occupancy concerns related to second home vs investment property since Fannie/Freddie installed new LLPAs a couple years ago that make the pricing for each aligned in most cases.

He does have a couple half siblings, but they are in another country and not in frequent contact with his parents, so from their perspective all they would see is that the parents are living in an investment property that we own, and they are paying rent.