I also have every guest sign a rental agreement, whether on or off the OTA's, that states the specifics including the cancellation policy, so I know they have read it outside of the booking information.

Here's a post where I go into detail about DSCR loans as far as the importance of cash flow, credit scores and down payments: https://www.biggerpockets.com/forums/49/topics/1080147-refinance-rate-105Lender terms and fees vary widely.

Talk to your tax advisor about how to release your passive activity losses based on your situation.This post does not create a CPA-Client relationship.

I informed the agent that I was a wholesaler. 

Hi Chris thank you for replying to my post and the information 

Buying tax efficient assets like RE in retirement in not very tax efficient strategy.This post does not create a CPA-Client relationship.

I personally would avoid the older neighborhoods closer to the post.

So creating all these funky financials is great, but if you are using those in a presentation that information should be in the PPM or an official document as if someone is making a decision based on that - it can come back to bite them.

A lot of them are more than willing to share some information. 

I think the HELOC is the way to go if you can - However after reading your post, if you are talking about a 6 figure pay day, how long would the property take to generate that 6 figures in cash flow?