Hey Jordan, We own Blue Ridge Escapes which own and manages several short term rentals around Claytor Lake and the Blacksburg area. 

Quote from @Ocean Van: Does DSCR require the property to have tenants already to qualify for the 1.25 ratio?

As mentioned in the original comment, I believe many of these properties will shift back to long-term rentals or single-family homes.In North Georgia, where I’m located, we’ve seen significant changes in our two most popular STR markets—Fannin (Blue Ridge) and Gilmer (Ellijay) counties—with nearly 1,000 active listings, a 42% increase from 2023.

The blue USB stick we give if someone is coming to the 3 day is a list of few hundred houses that are either pre foreclosures, probates etc.

Retirement 15%  Realtor do not have matching contribution or pensions $1101Health Care for 1  (Florida Blue 43 yo Male)  $350 a month

Although it's great here with weather, proximity to mountains and the Pacific Ocean. being close to family and friends but I'm constantly stressed out.  

No, of course not - many red regions will outperform blue ones over the long-term.

That said, an easy way to think about what a disqualified party can do/not do is this:  You can do white collar work, not blue collar work.  

hello, I’m living in Augusta, Georgia, and there are many sharks in the water when I go to buy something I have to be very very very very calculated and very ready looking forward and how the money is gonna come in and how to market appropriately. if anybody has any advice on how to work along sharks and red oceans, please let me know.

Rent-by-the-room tenants are more so catered toward working-class/blue-collar or young professionals looking for cheap rent.