I find it easier to analyze my metrics with the individual accounts.

Less than $300K in a mortgage, generating $4,000/month in rent.

The frameworks others have presented of viewing the site as a lead-generation tool where you, as the host, are handling all the payment processing and screening is pretty accurate. 

However, passive loss limitations apply—if your AGI exceeds $150K, you may not be able to deduct the full loss in the current year but can carry it forward to offset future passive income.Future Considerations: If the property generates taxable income in later years, Kansas allows a credit for taxes paid to Missouri, but since you’re reporting a loss, this doesn’t apply.

Additionally, the study must be completed by “qualified individuals” and “professional firms” that are competent in construction, design, auditing and estimation procedures for building construction.So while a specific methodology isn’t required by the IRS, taxpayers must ensure that their depreciation deductions and classifications of property are substantiated with supporting evidence.

I understand this is almost only used between an individual buyer and an individual seller who is seller financing the property, not banks.

Though the buildings are attached, the guest rooms all have individual exterior entrances with no interior connection to the residence. 

DSCR loans focus on the cash flow generated by the property rather than your personal DTI.

Looking to connect with like minded individuals that I can learn from and possibly do business together.

Really depends on your goals and individual situation.