I'm planning on putting 25% down because that is a requirement of the loan.

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Make sure your lender supports your long-term plans, as refinancing early can be tricky with DSCR loans.

You end up being on the 10 year plan vs the 1-2 year plan.

And I plan on being one of them.

Also confirm if its a planned community sometimes they have multiple HOA (master and local) that this can fall under. 

Although I do plan on increasing the rate next year and so on and so forth.

If you include a low-maintenance marketing plan into your vacation rental, you’ll attract high-paying guests without constantly grinding to fill your calendar.I’ll get back to that in a minute, but first—let’s talk about your reviews.

If you plan on staying 10 years and can handle the initial negative cash flow, you likely will do great (prop 13 helps).

Current tenants are coming up 3 years in the house with no plans to move.