We're doing 30 and even 40 year fixed using 80% of AIR DNA to calc DSCR. 

Here in New York, it's kind of up in the air. 

I have a fully furnished home I want to put on Air BnB.  

You would be a breath of fresh air.

I run an air BnB out of my home in Southern Vt And I own 2 condos at Mt Snow. 

I have my eye on a couple of small places that I am interested in for Air BnB.  

Air BNB allowed.

In our property, the house was open to the air in the damp environment of coastal Florida, no heat or A/C at the house.  

& different parts of the asset can be depreciated on different schedules.To find out the useful lifespan of each component, you do a cost segregation study to analyze all of the parts.The raw land can't be depreciated so you start by giving that a value first.But other items can be depreciated on a quicker timeline.A roof, road, sidewalk, fencing, walls, gates, doors, latches, flooring, air conditioners, pavers, curbing, landscaping, etc.The IRS has a depreciation schedule for each type.Some parts are 5 yrs.

We still get these blasts of arctic air when the yet stream is looping south and it gets really cold, but that's a week or two of really cold temps and not a sustained winter.