Switching PM's will take time away from doing something productive which would either be to sell it or to have the work done.

As a new investor, your product choices are limited. 

DTI is crucial for these products even if you can get a higher LTV product if you can't meet the payments all the regulators don't care about your equity position.   

With that loan product, they will not be looking at your DTI or work experience and will qualify the property based on the DSCR (Debt Service Coverage Ratio), which is a measure of the property's cash flow.

I'm a land broker in SoCal and I get a lot of lenders who reach out to me who lend on this type of product. 

If you had a luxury product, you knew yours would book, as well—as long as it was managed well and CLEAN.

They possess the determination and grit necessary to take that walk and ultimately those characteristics are a foundation for the vast majority to transition to productive tax paying members of our society. 

But everyone seems to offer some kind of vacation rental/Airbnb insurance product now.

@Theresa HarrisWhat bank(s) or products give you high yield percentage now?

This would be DSCR based product (no tax returns or DTI needed) but keep in mind business purpose loans in Florida can only be made to an entity (LLC or Corp).