For example, in our lake house, we do a full wine box packed with snacks and a couple of drinks.

The only nonrecourse loans out there are pure commercial, which carry a higher rate than DSCR. 

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

Like Martin mentioned, I can buy my own property in other foreign countries  and make significantly higher returns (which, incidentally, is what I've been doing).So with the same amount of money that I could invest in a shared villa, I do more profitable investments, make more money and then buy my own property in Costa Rica with the extra money I'll have made and it can be a pure lifestyle purchase.This being said, if you put together a group of like-minded people who can put some money aside, decide to purchase a property together, don't really care about the return and love Costa Rica (otherwise you could do the same somewhere else), I agree that what you do can be a lot of fun!

How much time would it take you to re-coop that cost purely through the rent alone?

While no properties actually flooded, the entire area was a disaster - roads destroyed, rescues, loss of power, and loss of safe drinking water than lasted for two weeks.  

Purely by coincidence I saw him at one. 

The sales position is purely commission-based and 1099-related so I have to pay for all of my expenses that otherwise a W2 employee would get which also unfortunately STINKS. 

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

Maybe we can get together a have some networking group drinks!