the way the DSCR ratio is calculated for example on a loan is the comparison of rent vs the mortgage payment plus taxes and insurance 

There's still the elements of 1) there's not a lot of 2-4 unit properties in comparison to SFH and 2) the average family doesn't want to purchase a 2-4 unit property. 

In the beginning it might be all fun and games with X's & O's and spreadsheets of mortgage quote comparisons but when it comes down to the end of the contract date, it'll boil down to how stressful (it was or wasn't) and how direct the mortgage professional was in caring enough to get it closed.

Homeowner's and flood insurance can be considerably lower than in other coastal areas, especially in comparison to States with prohibitive property insurance markets such as Florida.

Although most cities and counties have implemented STR rules or restrictions, in comparison to other regions active and licensable vacation rentals in Oregon are still very acquirable.

Why aren't we on that comparison? 

In comparison to LTR, STR suffers a very small portion of the damage LTR's do.

When Im using my own preferred service, Im using apples to apples comparisons.

Assigning a risk for comparison between two totally different asset classes is not wise investing.

Door count is a useful way to make quick comparisons between assets within a familiar market.