To vet guests, you can use a pre-booking form, ask about their plans, and require an ID and signed agreement.

Today this would be possible in high priced markets were your average loans are more in the 500k range so only 10 a month.. like CA  NJ  Denver and ski areas . 

A DSCR loan is going to require more down, have high fees at closing, a higher interest rate, a pre-payment penalty, and will require you to have cash reserves that you likely don't have at the moment.

Beach and ski market owners already know this, but for all the post-Covid Smokys owners this is the first year they are experience this and they are scared.

As a few mentioned, depending on your situation you might have to do a DSCR Cashout (vice conventional investment), and with hard money loans often there is a pre-payment penalty.

On a pre-1900 build I often see them filled with mortar, at least here in Milwaukee.

For example, many of the nicer ski towns around Colorado require first month, last month, plus the security deposit upon move-in which can easily amount to $7k+.

Most community banks in commercial lending will have a pre payment penalty if you refinance or sell. 

This is insane that these guys got that large of deposits on a pre sale rental house construction sent directly to them. 

This is located in a tourist lake/ski town with extremely high demand for lodging.